Ask Your Dentist if They Accept Your Insurance
Many dentists are happy to accept certain types of insurance, but they may not be a preferred provider. What that means is the dentist can file claims on your behalf, but the final reimbursement may be slightly different than what the dentist is actually charging you. With this option you can still continue seeing the provider of your choice. Dr. Jordan Beyea, who practices dentistry in Gilbert Arizona stresses that you should always ask for further clarification from an office as often not everything is listed on the practice’s website.
Review Out of Network Fees
Simply because a dentist is out of network may or may not mean that their fees are drastically different than what your insurance is willing to cover. Certain types of procedures may be covered at a larger percentage while others are not.
Fees are typically divided into different types of services or time frames, such as:
- Preventive (including cleanings, exams and x-rays)
- Restorative (fillings)
- Major (root canals or crowns)
If you do not anticipate having several root canals done, it may still be worth it to go to an out-of-network dentist whom you absolutely love for preventive care services twice a year. Many sites like Dr. Beyea’s even have other dental financing options in case your insurance is not accepted.
Understand Your Treatment Plan
If you are drawn to a dentist who is out of your network, be sure to see what your estimated benefits are prior to scheduling treatment. A treatment plan will include the list of procedures, fees as charged by the dentist, and an estimated insurance coverage amount. Your dentist will verify your coverage prior to compiling this treatment plan, preventing you from experiencing unexpected out of pocket costs.
Remember, if you seek out dental care as early as possible, the overall cost of care will be reduced compared to waiting until the condition has progressed into something more complex.
Filing on Your Own
When push comes to shove, some people even choose to file their own insurance claims. Unfortunately this can be confusing and tedious. It is much more convenient to find a high quality dental provider who is willing to work with you and your insurance company whether or not they are an active part of your network altogether.
This post is a featured article from Dr. Jordan Beyea at Creative Smiles Family & Cosmetic dentistry located in Gilbert Arizona.