Navigating the world of dental insurance can feel daunting, but at Dental Wellness of Lexington, we make it as simple and straightforward as possible for you. Understanding your benefits is the first step toward achieving and maintaining your best oral health and we are here to support every step of the way.
How Does Dental Insurance Work?
Dental insurance works differently than medical insurance, focusing primarily on preventive care to help you avoid major dental issues in the future. Preventive services like cleanings, exams and X-rays are usually covered at a high percentage, meaning you can maintain your oral health at little or no cost to you. This emphasis on prevention is designed to catch potential problems early and reduce the need for costly treatments later.
What Does Dental Insurance Typically Cover?
It’s important to recognize that every insurance plan is unique, so understanding the specifics of your policy is key. Here’s a general idea of what many plans cover:
- Preventive Care: Most plans cover 80-100% for services like twice-a-year checkups and cleanings, diagnostic X-rays and fluoride treatments for patients under the age of 18.
- Basic Restorative Care: Procedures such as fillings, root canal therapy and simple extractions might be covered between 70-80%.
- Major Restorative Care: Treatments like crowns, bridges and dentures are often covered at around 50%.
What’s The Difference Between In-Network vs. Out-of-Network?
Being in-network with certain insurance providers means the dentist can offer services at pre-negotiated rates. At Dental Wellness of Lexington, our staff will happily discuss your insurance coverage with you.
For those without insurance, we offer customizable payment plans through CareCredit, Lending Club, and Cherry to provide manageable solutions regardless of your financial situation.
Please note: At this time, we do not accept Medicaid benefits.
How Do I Maximize My Insurance Benefits?
- Review Your Policy: Familiarize yourself with your plan’s details, including your deductible and annual maximum.
- Schedule Regular Checkups: Take advantage of preventive care to catch problems early.
- Plan Major Procedures Carefully: If you know a significant treatment is needed, try to schedule it early in the coverage year.
Take Advantage Of Your Dental Benefits Today
Make the most of your dental insurance and get the care you deserve. Contact Dental Wellness of Lexington at (859) 223-4644 or visit us at 527 Wellington Way Ste 120, Lexington, KY 40503. We’re committed to a future where dental health is accessible for everyone, because your smile matters.