Dental Insurance—Mankato, MN
Your Quick Guide to Dental Insurance
Dental insurance can be confusing, but we will make it easy for you. Simply bring your card or claim into our office or call to speak with our friendly insurance specialist. We will be happy to go over your coverage with you and help you navigate the claims process so it is as smooth as possible.
What Will My Insurance Plan Cover?
Dental insurance is diverse. Some policies cover only a small percentage of fees, while others cover 50% or greater. The more you or your employer pays for premiums, the better the coverage is in most cases.
For the most part, dental insurance covers preventive procedures, including annual X-rays, two cleanings and checkups per year, and fluoride treatments at 100%. Restorative care, such as fillings, crowns, replacement teeth, orthodontics, etc. are partially covered.
Cosmetic treatment is usually not covered. To help with this problem, we work with third-party financing companies to make these services affordable for all of our patients.
Most dental insurances also carry a "missing tooth clause." This clause states that your insurance will not pay for the replacement of a tooth (or teeth) that was missing before your policy began. Our third-party financing can help you afford dental implants, partials, dentures, or bridgework in this situation.
Dental Insurance Terms You Should Know
Your benefits are probably based on "usual, customary, and reasonable fees." These fees may not accurately reflect the cost of our services. We are not a clinic, and we offer many luxuries and technologies to make your dental care experience more comfortable and effective. We invest time with each of our patients. To us, you are a person, not a number on a chart! Our dentists and our team complete more continuing education than is required each year so that we can bring you the best dental care possible. The fees considered reasonable and customary by your insurance provider probably do not reflect the type of care and service we consider standard.
Your "yearly maximum" is the amount your insurance company will pay within a calendar year. Usually, the amount is about $1,000 per individual on the plan. If you do not use all of your yearly maximum before December 31st, you lose it. Each new calendar year, your maximum will fund again.
Questions? Call Us
If you have dental insurance and come to see us, please be prepared to pay your portion at your visit unless prior payment arrangements have been agreed upon.
If your insurance provider does not pay their estimated portion, we will bill you for the balance. However, our insurance specialist will provide all the paperwork, charts, X-rays, and photos necessary to optimize your benefits when we file your claim.
To learn more about using your dental insurance with us, you are always welcome to give us a call. We will be happy to answer your questions so you can get the care you need as easily as possible.