At MMS Family Dentistry, we know very well that navigating the world of dental insurance can oftentimes be tedious and overcomplicated. What’s the difference between “in-network” and “out of network?” What does this type of coverage actually pay for, and why doesn’t it work in the same way as medical insurance? All of these questions commonly cause headaches for individuals and families.
Thankfully, our team members are tried-and-true experts when it comes to smoothly guiding patients through this process. We’re proud in-network providers for most major PPO dental insurance plans, and we’ll be happy to answer all of your questions so that you can proceed confidently with needed treatment. Interested in learning more? Just keep reading below.
While traditional medical insurance is designed around covering the cost of big injuries, illnesses, and life events (like pregnancy), dental insurance works a little differently. Patients receive a certain percentage of benefits depending on the type of service they’re in need of, and there is a maximum regarding how much your insurance provider will pay out towards treatment in a typical calendar year. Essential general care like biannual dental checkups and cleanings is usually always covered at 100%. This emphasis on prevention helps families keep their overall cost from year to year much lower, as problems can often be caught in their earliest stages.
It’s important to remember that no two dental insurance policies are identical and that you should always confirm available benefits with your provider before committing to a treatment plan – our team can also help with this process by requesting estimates directly! With that in mind, though, virtually all companies follow the system below:
Cosmetic treatments (or any services that are specifically recommended to improve aesthetic concerns) are virtually never covered under traditional dental insurance.
MMS Family Dentistry is an in-network provider for most major PPO insurances available to residents of Austin and the surrounding communities – but what exactly does that mean? When a dentist is “in-network,” they’ve agreed to charge set fees for services that are fully or partially covered under that plan. Because they cannot alter these fees, patients are very likely to pay less with an in-network dentist than an out of network one. Here is our current list of some of our in-network plans:
We are in-network with the following insurances:
What if you have an out of network insurance plan and still want to come to MMS Family Dentistry? That’s not a problem at all! Because our fees are very reasonable to begin with, the financial difference between benefits offered by in-network and out of network plans is sometimes not even that noticeable. Plus, our team can file claims on your behalf and help make the reimbursement process headache-free.