Dental Insurance – Des Plaines, IL
Investing in Your Smile
If you have dental insurance, you understand why it’s a worthwhile investment. Although no one desires to undergo extensive or complex restorative dentistry treatment, it is comforting to know that should a serious problem arise, you won’t be left scrambling to find available funds. Instead, your dental insurance provider will help to lower your out-of-pocket expenses, so you can focus more of your time and energy on taking better care of your smile. Brite Smiles is pleased to work with both in-network and out-of-network patients and will do our best to help you save each time you visit.
Understanding How Dental Insurance Works
Preventive and restorative dental services are commonly covered by dental insurance. Cosmetic treatment is viewed as elective procedures, which are not medically necessary, so they are unlikely to receive any type of coverage. When preparing for treatment, we will file a claim with your insurance company. Depending on if you’ve met your deductible and how much of your annual maximum remains, they will pay a designated portion of your total bill. If you have dental insurance, you are strongly encouraged to use your benefits toward preventive care, as this not only keeps more money in your pocket immediately but also reduces the risk of needing restorative care in the future.
What Your Dental Insurance Plan Covers
Our team will be pleased to review your dental insurance plan once you arrive for your appointment; however, we cannot determine what is covered until we see you. Most dental plans, though, design their benefit breakdowns quite similarly and may look something like the following:
- 80-100% preventive services
- 70-80% minor restorative services
- 50% major restorative services
If you’re looking for orthodontic treatment, it may be a part of your normal dental plan. If not, you may want to consider purchasing an additional plan, but be aware of the exceptions many companies include when it comes to orthodontics, such as age limits and types of braces covered.