Dental Benefits

AFFORDABLE DENTISTRY TO KEEP YOU SMILING

At Coastal Dental Associates, we know how important it is for our patients to receive affordable dentistry services. As a courtesy to our patients, we will file all dental claims free of charge. Our office is committed to helping you maximize your dental benefits. 

Estimated co-pays and deductibles are due at the time of service. 

Any remaining balance due after the insurance company pays will be the patient’s responsibility and is due within 30 days of invoice to avoid a late fee.

HOW DENTAL Benefits WORK

Dental benefit plans are designed to cover (pay for) some of the costs of dental treatment.  Even though most people refer to the plan that pays for their dental care as “Insurance” it’s technically a different type of healthcare plan.  Dental benefit plans function differently than most health insurance plans.  You will need to review your individual policy before we offer coverage estimates.

Please remember that no dental plan will cover all dental costs. Some companies pay fixed allowances for certain procedures, and others pay a deductible amount, co-insurance, or the balance remaining unpaid by your primary benefits company.  

We will be happy to assist you in obtaining the maximum benefits to which you are entitled; however, the agreement of your insurance company to pay for your dental care is a contract between your insurance carrier and you. We estimate patient deductibles and co-pays as best we can based upon the information provided to us by you and your insurance company. 

Most benefit plans provide some combination of the following coverage:

  • 100% preventive care covered
  • Minor restorative care around 70%-80% covered
  • Major restorative care around 50%

WHAT IS THE DIFFERENCE BETWEEN a DENTAL Benefits plan & MEDICAL INSURANCE?

The main difference between medical insurance and a dental benefits plan is the focus of coverage. Medical benefits provide the greatest amount of coverage for emergencies and chronic illnesses. Dental benefit plans offer the most coverage for preventive services. Most dental plans also allow patients the flexibility to choose whatever dentist they prefer and still receive benefits. Medical plans are more restrictive about which providers you can visit in order to receive insurance coverage.

IN-NETWORK COVERAGE

We offer in-network dental insurance benefits for all of the following insurers:

  • Cigna (not all plans, the patient will need to contact Cigna to determine “in-network” coverage.)
  • Delta Dental Premier

OUT OF NETWORK COVERAGE

We process claims for both in and out of network dental benefit providers. Even if we aren’t in-network with your dental plan, we can still process and file your dental claims to help you maximize coverage. We have many patients who come to our office and they are “Out of network” however, the dental plan they have allows them to have the same coverage “in” or “out” of network. Please check with your insurance company. 

We are here to help! Please call for more information about your oral health needs in our office!