Dental Insurance Coverage
The majority of dental patients know very little about insurance policies. For most, dental benefit plans seem like little more than a string of mostly unintelligible jargon. Luckily for patients of Painted Skies Dental Center in Las cruces, we are happy to process and file dental insurance claims, so you don’t need to worry about it. If you want to learn more about your specific dental insurance coverage or schedule an appointment, call our team today. We’ll be happy to discuss your insurance policy or set aside time for you to come and see us.
In order to maximize your insurance coverage and convenience in our office, we offer in-network dental insurance coverage for most PPO dental benefit plans. As in-network providers, we have established relationships with insurers where we agree to charge the fees your benefit plan outlines as fair and average. That means you will only need to pay your out of pocket cost for any treatment. Out of network dentists may charge higher fees than those outlined by your insurer, and you will need to pay the difference in price as well as the out of pocket percent of treatment costs. We are happy to process claims for out of network plans, and we try to keep our pricing within what your insurer deems fair and average. We are in-network providers with the following insurers:
- Delta Dental of New Mexico
- United Concordia
- United Healthcare
Dental Insurance Frequently Asked Questions
In order to assist you in better understanding your dental insurance policy, we’ve included answers to some of those dental benefit questions we hear most often. If you don’t see your question here, don’t hesitate to reach out to us. We’ll be happy to help.
What is a premium?
The premium is the monthly payment the patient and/or employer pays to the insurance provider for benefits. The premium may be higher or lower depending on the treatments you or your employer elect to include in your benefit plan.
What is a Maximum?
The maximum is the highest amount your benefit plan will pay out in any plan year. In most cases, the annual maximum insurance coverage is between $1000 and $1500.
What is a Copayment?
A copayment, sometimes simply referred to as a copay, is the amount you will need to pay out of pocket at the time of service. These payments are typically low between $25 and $50 in most cases.
Do I Have a Deductible?
A deductible is an amount you’re required to pay before your insurance policy will cover treatments. Most dental benefit plans do not have deductibles. However, for those that do, we will help you to plan any advanced treatments to maximize your benefits.
What Treatments are Covered by Dental Insurance?
Most dental benefit plans will cover a percentage of the cost of preventive care, restorative dentistry, and a few other elective treatments like orthodontics or sedation dentistry. Preventive care receives the highest percentage of coverage and other more advanced restorative and orthodontic treatments receive lower percentages of insurance benefits. The easiest way to ensure you receive the maximum coverage from your dental benefits is by visiting our team for regular checkups. These appointments receive the highest benefit coverage and help reduce your risk for more serious oral health issues.
Are Dental Implants or Cosmetic Dentistry Covered?
Most advanced treatments like dental implants and elective services like cosmetic dentistry are not typically covered by dental benefit plans. Before we begin any dentistry treatment, we’ll review your specific coverage and explain what insurance coverage, if any, you will receive.