Dental Insurance – Glastonbury, CT

How Dental Insurance Works

No matter how you received your dental insurance (through your employer or a private plan), you’ll find that while aspects are different, such as premiums, annual maximums, and deductibles, the breakdown of benefits is largely similar. A typical layout follows a 100-80-50 structure:

• 100% preventive services (i.e., dental checkups and cleanings, X-rays)
• 80% minor restorative services (i.e., dental fillings, root canals)
• 50% major restorative services (i.e., dental crowns, dentures)

Preventive is the focal point because of how much it benefits your oral and overall health. Not only do you save more by seeking these services, but you also get to enjoy the advantages of a cavity- and pain-free smile throughout the year.

You will notice that cosmetic treatment and orthodontics are not commonly listed. Although some plans do incorporate orthodontia, this is not always the case.

What is the Difference Between Dental and Medical Insurance?

There is a big difference separating medical and dental insurance. One is reactive while the other is proactive. Medical insurance helps you save more when extensive treatment is required. Instead of providing the highest level of savings on general wellness exams, these companies offer a greater percentage of coverage on surgeries, hospitalizations, and invasive lab testing.

However, dental insurance is designed so that you will avoid the need for complex care. Prevention is where you can expect to save the most, as these services are meant to lower the chances of cavities, gum disease, and other problems that can contribute to a decline in your oral and overall health.

In-Network vs. Out-of-Network

There are different benefits and coverage levels when comparing in-network versus out-of-network. Although you can expect the same high level of service from our dental team no matter what, you’ll find that you save more when choosing someone in-network.

In-Network Coverage

At Glastonbury Dental Care, we believe in providing affordable dental care, and we do this by welcoming various dental insurance plans. By entering into a contractual agreement with these companies, we can guarantee lower fees when you receive preventive or restorative care.

The following are some of the dental insurance plans we are in-network with:

• Cigna
• Aetna
• United Healthcare
• MetLife
• Anthem
• And more!

Out of Network

If we are not in-network with your dental insurance plan, don’t worry. Although you’ll likely be required to pay any out-of-pocket costs upfront, we will still work to help file any necessary claims so that you get the maximum reimbursement.