Dental Insurance Reston
Get the Most Out of Your Dental Insurance Benefits
Dental insurance in Reston is a beneficial, cost-saving option when seeking oral healthcare. Used to minimize out-of-pocket expenses associated with preventive and restorative care, it can help you avoid the high cost of taking proper care of your teeth and gums. At Sunset Hills Dental Co. of Reston, our team is here to make sure you understand how to use your plan and maximize your available benefits at each appointment. Call us today if you have any questions.
How Dental Insurance Works
When reviewing your dental insurance plan, you will notice there are covered benefits that most often include preventive and restorative services. These include everything from general checkups and cleanings to tooth extractions.
Depending on your plan and how these services are categorized, it may follow a 100-80-50 breakdown, which is most common among dental insurance companies:
- 100% preventive services covered
- 80% minor restorative services covered
- 50% major restorative services covered
It is unlikely that your dental insurance company will cover any portion of cosmetic treatment unless there is an exception. For example, a metal-free dental crown may be partially covered if it is used to cover a cracked or severely damaged tooth.
What is the Difference Between Dental and Medical Insurance?
Medical insurance is most often used to help minimize the cost of hospitalizations, surgeries, and specialist care. These plans offer greater coverage after a problem occurs; however, dental insurance is the opposite. Instead of waiting for you to develop a cavity or require tooth removal, it offers the most coverage for preventive care.
This means that the two checkup and cleaning appointments you have each year to maintain your teeth and gums will cost you little to nothing out of pocket.
In-Network vs. Out-of-Network
Each dental insurance plan includes information about in-network and out-of-network coverage. As the policyholder, you must decide which type of dentist you want to see – someone who works with your dental insurance or someone who offers fee-for-service treatment and does not partner with your plan.
In-Network
Choosing to see a dentist who is in-network with your dental insurance will help you save more each time you require preventive or restorative treatment. At Sunset Hills Dental Co. of Reston, we are pleased to be in-network with:
- Aetna
- Anthem
- Ameritas
- Blue Cross Blue Shield
- Cigna
- Delta
- Guardian
- Humana
- MetLife
- Principal
- United Concordia
Out-of-Network
If you choose to see someone who is out of network, that is fine, but you will likely pay more for the services you receive. Since the dentist is not contractually bound to any particular insurance company, they are not obligated to offer their services at a lower rate. If we are not in-network with your insurance, we will still be happy to file any claims on your behalf so that you receive the maximum reimbursement.