Dental Insurance – Mayfield Heights, OH
Greater Affordability for Your Budget
When it comes to preparing for more extensive dental treatment (i.e., dental implants, periodontal therapy, tooth extractions, etc.), you want to make sure that your dental insurance in Mayfield Heights will be accepted by a trusted periodontist. Fortunately, at Ross Periodontics, Dr. Jonathan Ross and his team of experts are here to ensure you get the most out of your policy. As a policyholder, you already understand the importance and advantages that can come with using dental insurance. We will work with your insurance company to make sure you pay the lowest possible price while still receive high-quality care that producing life-changing results. All you need to do is call our office and let us know who you are insured with. From there, we can begin to find ways to reduce your cost and ensure a stress-free appointment.
How Dental Insurance Works
Dental insurance can be an overwhelming part of dentistry. However, by enrolling in a plan, you will agree to pay a monthly premium that grants you access to a host of benefits. There are a few important things to remember once you are enrolled in a particular plan:
- Most plans are based on a calendar year with benefits expiring on December 31. If you have any unused funds, they will be returned to your dental insurance company, and your policy will be renewed on January 1. This will reset your deductible to $0.
- The amount your insurer will agree to pay will be based on if you’ve met your deductible and how much of your annual maximum you’ve used.
- Your annual maximum is how much your insurance company will agree to pay in a single year. If you go over that particular amount, you are responsible for the remaining balance.
What is the Different Between Dental and Medical Insurance?
Dental and medical (health) insurance work much in the same way as they both require that you pay monthly premiums; however, they are vastly different in terms of how they are used. Dental insurance companies design their plans to encourage patients to pursue preventive care. This is why you’ll find that most plans provide 80-100% coverage for dental checkups and cleanings, dental x-rays, and other preventive care. Should you require restorative treatment of any kind, the percentage of coverage lowers to 50-80%.
Medical insurance works differently in that the highest levels of coverage extend to more advanced treatments (i.e., hospitalizations, pregnancy, specialists, laboratory work, etc.). Regular wellness visits offer little coverage since most people only visit a medical professional when a problem occurs. You can think of medical insurance as a reactive form of coverage.
In-Network vs. Out of Network
If you’re confused by the terms “in-network” and “out of network,” you’re not alone. These two columns on your breakdown of benefits are different because certain dentists and specialists choose to be in-network with various dental insurance companies. The reason for this is so that you, the patient, can spend less and still receive high-quality dental care.
In-Network Coverage
At Ross Periodontics, we are pleased to be in-network with Cigna dental insurance, but we proudly accept a long list of plans. Because of the negotiations with Cigna, we can guarantee that as a Cigna policyholder, you will pay the least possible amount for certain services.
Out of Network
Although out-of-network can mean paying more for the services you receive, you can trust that our team will go above and beyond to find helpful solutions to lower your out-of-pocket expenses as well as file any necessary claims and paperwork on your behalf.