Dental Insurance – Schaumburg, IL
Make Dental Care Fit Your Budget
Dental insurance can be an excellent way to minimize your out-of-pocket expenses for high-quality dental care, and the team at The Smile Standard is eager to ensure that our patients can afford the oral health services they need to maintain beautiful smiles. Here’s a quick guide to how dental insurance works and how you can get the most out of the policy you pay for from Dr. Dabah and his friendly staff in Schaumburg.
How Dental Insurance Works
Dental insurance plans are paid for through a monthly premium, which is usually around $50 for an individual and $150 for a family of three. Most policies confer important benefits like:
- Preventive and general dentistry services: Most annual plans cover two routine checkup and cleaning appointments as well as x-rays and fluoride treatments by 80% to 100%.
- Restorative services: Treatments designed to address problems such as periodontal therapy, fillings, dentures, and dental crowns are often covered by 50% to 80%. More complicated treatments such as bridges and dentures tend to receive less coverage.
Elective treatments such as cosmetic procedures are not usually covered by dental insurance plans unless they are used to provide oral health benefits, such as when a veneer is used to rebuild an injured tooth.
What Is the Difference Between Dental & Medical Insurance?
Dental insurance is a lot like medical insurance, but it tends to put more emphasis on prevention rather than addressing emerging issues. This incentivizes policyholders to preserve their oral health with routine care so they won’t have to worry about paying for more costly restorative treatments later, which helps keep insurance rates low.
In-Network Vs. Out-of-Network
Dental insurance plans can be more flexible than medical plans because they do not necessarily penalize policyholders for going out of network. However, choosing a provider who is in-network with your policy can make it much easier to make the most of your benefits since they will be more familiar with the details of your plan.
In-Network Coverage
At The Smile Standard, we are proud to be in-network with the following insurance providers:
- Cigna
- Guardian
- United Healthcare
Out-of-Network
Even if you do not hold a policy with any of the insurance providers listed above, we will be happy to work with you and help find a way to maximize your coverage at our practice. Please feel free to contact our office if you’d like to know more about how you can get the most from the plan you pay for.