Dental Insurance – Fort Worth, TX
An Affordable Way to a Healthier Smile
With the cost of goods and services continually increasing, it can be difficult to find affordable dental care for you and your family. Although it might seem easier and cheaper to forgo regular treatment by an oral healthcare professional, the opposite is true. This is why Dr. David Tillman welcomes dental insurance in Fort Worth as a way for individuals like yourself to access the services and care you and your family need without the heavy financial burden. If you would like to learn more about how your investment in dental insurance can make a difference in your family’s oral and overall health, call our office today or keep reading.
How Dental Insurance Works
Dental insurance is viewed as a financial safety net when seeking preventive and restorative care. Many companies build their plans so the greatest amount of coverage is designated for routine treatment, like dental checkups and cleanings. These services are designed to minimize the need for restorative solutions to address cavities, gum disease, tooth decay, and other serious problems.
While many dentists offer additional services, like cosmetic dentistry and orthodontics, they may or may not be covered by a dental insurance plan. Some do provide coverage for orthodontia, but most consider cosmetic treatment (i.e., veneers, teeth whitening, etc.) to be a luxury, not a necessity.
What is the Difference Between Dental and Medical Insurance?
Dental and medical insurance are often misinterpreted to be the same thing, but they are not. While the mouth is a part of the body, its anatomy and the issues it can face require the skill of a licensed dental professional to fix.
Medical insurance is most commonly used after a problem occurs. You should not expect the highest level of savings to come with your wellness visits. Instead, you will save more when requiring treatment that involves addressing an already present issue. Hospitalizations, seeing a specialist, and even lab testing will be where you find more of your cost savings.
Dental insurance is different. These companies want you to take care of your smile before problems occur. This is why you can expect your preventive checkups and cleanings to be covered at 80-100% in most cases. Not only does this ensure your smile remains healthy and protected throughout the year, but it also means you save more.
In-Network vs. Out-of-Network
It’s important to know the difference between in-network and out-of-network plans, as this can help you avoid larger expenses when visiting your dentist’s office.
In-Network Coverage
Seeing an in-network dentist is preferred and encouraged by your dental insurance simply because these individuals have a contractual agreement with the company. Dr. Tillman is in-network with many different plans, as it allows patients like yourself to access more affordable treatment while still receiving the same high-quality service and care.
Dr. David Tillman is pleased to be in-network with:
- Cigna
- MetLife
- Aetna
- Delta Dental
- Guardian
- Humana
- Blue Cross Blue Shield of Texas
Out-of-Network
Seeing an out-of-network dentist doesn’t mean sacrificing quality; however, it does mean paying a bit more for treatment. Since there is no agreement between the insurance company and your dentist regarding eligible services and fees, you will be required to pay a higher price each time you come in for a visit.
Most offices, like ours, will help you get the maximum reimbursement from your insurance company, though.