Dental Insurance – McKinney, TX

Affordable Dental Care When You Need It Most

Do you want the assurance of knowing you and your family are covered when it comes to keeping your smiles looking their best? Finding a dentist who offers affordable dental care isn’t always easy, but fortunately, at OakBrook Dental and Orthodontics, our team can work with you to better understand how your dental insurance in McKinney can be maximized to save you money. Whether you’re needing a regular dental checkup, a tooth-colored filling, or a root canal to eliminate an infection, we understand that cost is a factor in your decision to move forward with treatment. This is why we are proud to be in-network with a host of dental insurance plans.

If you have questions about your dental insurance policy or how to go about filing a claim, let us take the stress off your shoulders by working on your behalf with the insurance company. We will review your policy, provide you with answers and clarifications, and file any necessary paperwork or claims so you don’t have to! Contact us today to find out how we can help you get the most out of your plan, so you can start seeing a healthier, more beautiful smile.

How Dental Insurance Works

When you sign up for dental insurance, you are essentially signing a contract with the insurer that you will pay a monthly premium for access to the plan of your choosing. Before you ever sign on the dotted line, it is likely you’ll be considering four main things: the monthly premium, deductible, annual maximum, and level of coverage. All of these should be taken into consideration before enrolling in any type of dental insurance policy.

While plans and policies vary between companies, similar coverage is available and looks like the following:

• 80-100% preventive care covered
• 70-80% minor restorative care covered
• 50% major restorative care covered

Remember, once you meet your annual deductible, your out of pocket costs will go down, as the insurance company will be responsible for covering more of the bill. However, don’t forget about your annual maximum, as this is the designated amount your insurer agrees to pay in one calendar year. Should you go over that amount, you will be responsible for the remaining costs.

What is the Difference Between Dental and Medical Insurance?

When trying to determine why you need separate dental and medical insurance policies, the explanation comes down to proactive versus reactive. With dental insurance, it is designed to prevent problems before they ever start. This is why you will find that most companies agree to pay all or most of your “preventive” services, such as dental checkups and cleanings, X-rays, fluoride treatment, and dental sealants.

On the other hand, medical insurance is designed to treat problems that currently exist or emergency situations.

In-Network vs. Out of Network

When choosing to purchase dental insurance, you will find that it is highly encouraged that you seek an in-network provider for treatment. It is not mandatory, but you will notice that choosing an out-of-network provider often ends up costing more.

In-Network Coverage

OakBrook Dental and Orthodontics is an in-network provider for a multitude of insurance plans. This makes it possible for us to offer more affordable services while maintaining a high level of quality dental care. Our agreement with the insurance companies ensures that you receive the lowest cost for the services you receive.

Out of Network

Even if we are considered out of network, we will be happy to work with you by reviewing your policy to determine how we can save you money on your treatment or visit.

Insurance Plans We Are In-Network With:

• Metlife
• Cigna
• United Healthcare
• Delta Dental
• Aetna
• Blue Cross Blue Shield
• Guardian
• Humana
• Assurant
• Ameritas
• Lincoln Financial Group
• UMR
• Principal Life
• Beam
• United Concordia
• Dentaquest
• MCNA
• TMHP

HSA & FSA Coverage for Dental Care

While the terms and conditions of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) differ, both can be used to help patients pay for their routine dental care. It’s important to note that while an HSA’s funds roll over from year to year, they usually expire at the end of the year for FSAs. If you have either one of these accounts, please let us know, and we’ll go over how you can use it to make your treatment more affordable. We can help you navigate the little details so you’re able to get the most out of your money at every appointment.