Understand Your Dental Insurance: Policy Basics and Helpful Tips

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Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Baltimore, call Dental One Associates of Maryland today at (855) 979-3336 or make an appointment.

Dental One Associates offers affordable family dentistry and gentle, compassionate dental care in Baltimore. With 11 affiliated practices throughout Maryland, our offices are conveniently located with extended hours to meet your needs. At Dental One Associates of Maryland, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Dental One Associates of Maryland.

Read What Our Patients Say
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Customer service, customer care, attentive, polite, inviting as you walk in the door.
Toyia B.
Although going to the dentist is not my favorite thing to do, Dr. Barrow makes it a lot easier. I guess I am a Dental One fan.
Mary V.
The office staff and Doctors project a very professional and positive attitude when dealing with patients. A smile from each makes the visit to the office very welcoming.
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my hygienist was a sweetheart ! I hate the dentist but she made me comfortable.
Alisha H.
Had a cavity filled and felt no pain. My last dentist was horrible so I am so happy I changed over to Dental One Associates. Dr. Blaney is great and eases my anxiety.
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Donna Ash is wonderful, very professional!
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The staff and Dr. B were absolutely outstanding! Everyone was very personable and attentive. Dr. B. was very knowledgeable regarding my tooth issue and she walked me through all my viable options. […]
Anita E.
Dr. Val provides excellent care. She is kind and humorous which makes going to the dentist a positive experience.
Ann S.
They are very friendly and nice.
Anice E.
Very comfortable and friendly. Doctor was knowledgeable about my many medical conditions. We did a filling on the spot with no novacaine with a new laser machine with no pain!
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Friendly courteous professional staff.
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College Park Dental is the best! I recently had a bridge made and Dr. Brager told me that he wanted me to be 100% satisfied and after 2 adjustments I’m happy to say that I am 100% satisfied. My […]
Martha W.
Having been going to Dr Brager for many years. Always great experience. Appointments on time and always available for emergencies.
Kaiserpedss U.
Very friendly always. Explain and answer any questions asked.
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I like the office, but the dentists change rather often.
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We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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