Dental Insurance – Millersville, MD
Making Your Dental Care Affordable
Our team at Transcendent Smiles understands that dental procedures can be costly and may not be affordable for everyone. Fortunately, you don’t have to drain your savings for even minor treatments! Dr. Tran is affiliated with United Concordia and accepts other major plans. Additionally, she’s dedicated to making your visit stress-free by assisting you in maximizing your benefits and handling any necessary paperwork and claims on your behalf. Rest assured – our practice is here to help you make the most of your dental insurance in Millersville. When you call our office to schedule an appointment , please tell us about your plan, and we'll work diligently to find ways to help you save!
How Dental Insurance Works
Dental insurance operates much like other forms of insurance, such as health or car insurance. As the policyholder, you pay a monthly fee in exchange for benefits. However, there are important aspects to keep in mind:
- Policies typically follow a calendar year, meaning benefits don't carry over to the next year. They reset on January 1, so your deductible starts anew.
- You need to meet your deductible before your insurance covers additional costs for any restorative services, whether minor or major.
- Your insurance sets an annual maximum, which is the highest amount they'll pay in a single year.
Since most plans cover 80-100% of preventive care, it's strongly advised to maintain your six-month dental checkups and cleanings. These are often low to zero cost for you and can help prevent more serious issues down the line.
What Is the Difference Between Dental & Medical Insurance
Though they may seem similar, dental and medical insurance are quite different. Dental insurance primarily focuses on prevention. That's why it provides more coverage for checkups, cleanings, fluoride treatments, and dental X-rays. Insurers want to help you avoid costly procedures like root canals, extractions, crowns, and periodontal therapy. Why? Because it keeps their expenses lower. Any remaining funds in your annual maximum go back to the insurance company, which means you lose money that rightfully belongs to you.
On the other hand, medical (health) insurance operates differently. While it may provide some coverage for general wellness checkups, it significantly steps in to cover surgeries, hospital stays, X-rays, and more. Medical insurance is designed to assist you after a problem arises, like a broken bone, pregnancy, or necessary testing.
In-Network vs. Out-of-Network
What do "in-network" and "out-of-network" mean? As you review your plan, you'll probably notice variations in the deductible, premium, and annual maximum. Benefits or coverage will also differ, and you'll find that you'll pay significantly less when you visit a healthcare provider who is part of your insurance plan's network.
In-Network Coverage
Dr. Tran is a preferred provider with United Concordia. Additionally, she happily accepts other major plans to ensure patients can access the care they need at a reasonable cost. Being affiliated with these specific companies allows her to guarantee that you pay the lowest possible amount for the services you receive.
Out-of-Network Coverage
Opting to visit a provider outside of your plan's network may result in higher costs, although you can still expect to receive the same top-notch dental care. Regardless of whether we're considered in-network or out of network, our team will diligently handle all necessary paperwork and claims for you.