Having trouble understanding your dental insurance? To get the most out of your insurance, it’s important to understand it. Here are some basics to help get you on your way to using your insurance and getting the dental care you need.
Prevention is key to keeping away dental diseases and protecting your wallet. Brushing and flossing every day, and visiting your dentist regularly for checkups, can help you avoid expensive dental treatments and their costs. Most Delta Dental insurance plans pay all or most of the cost for routine dental checkups, including cleanings and examinations, to promote preventive care.
It is important, in understanding your insurance, to have the answer to these two questions:
Most Delta Dental customers have a Delta Dental PPO®, Delta Dental Premier® or Delta Dental PPO Plus PremierTM plan. For these plans, you can choose any dentist you want, though there are advantages to choosing a Delta Dental network dentist. If you have a DeltaCare® USA plan, you need to select a primary care dentist from our DeltaCare® network.
Odds are, the answer is yes. Since Delta Dental has the nation’s largest network of participating dentists, it’s very likely that your dentist is part of our network. If you have a PPO, you’ll have the lowest out-of-pocket fees for more benefits when you see a network dentist. Visiting a dentist in Delta Dental’s Premier® network also offers discounts and protection from additional billing. If you choose to visit an out-of-network dentist, you may have to pay higher fees and submit claims yourself.