Dental Insurance – Lorain, OH

Enjoy Excellent Oral Healthcare at Manageable Costs

While professional oral healthcare is essential to maintaining a healthy and beautiful smile for life, some people may have difficulty making the cost of their dental care fit in their budgets. Thankfully, dental insurance can help patients reduce the cost of their oral health services. Here’s a quick look at how insurance works at Parkway Endodontics as well as how our staff will help you get the most out of the benefits you pay for.

How Dental Insurance Works

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Dental insurance plans typically offer coverage that works something like this:

  • 100% coverage for routine oral care like checkups, cleanings, and X-rays
  • 50% to 80% coverage for restorative work such as root canals as well as emergency dental services
  • No coverage for cosmetic procedures.

If you have an HMO plan, it will probably require you to see an in-network dentist to qualify for coverage and impose few restrictions other than that. While a PPO plan will often allow a patient to see any dentist they like and still qualify for coverage, it will usually impose limitations such as:

  • A waiting period that must end before coverage takes effect.
  • A deductible that must be met before the plan starts paying for anything.
  • An annual maximum that defines how much money the plan can pay in a year.

Plans with higher monthly insurance premiums usually come with more expansive coverage.

What Is the Difference Between Dental & Medical Insurance?

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Medical insurance plans are typically designed to provide coverage in case of unforeseen health crises. Dental insurance plans, on the other hand, are typically designed to encourage patients to seek preventive care that makes costly restorative work unnecessary. This helps keep patients healthy and insurance premiums low.

In-Network vs. Out-of-Network

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Most dental insurance policyholders have PPO plans that allow them to see in-network or out-of-network providers. However, most HMO policyholders will have to see in-network providers to receive coverage.

In-Network Coverage

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Seeing a provider who is in network with your insurance company is probably the best way to minimize the cost of your dental care. The team at Parkway Endodontics has negotiated with a range of popular insurance providers so we can deliver outstanding oral healthcare at affordable rates. We are proud to be in network with:

  • Cigna
  • Delta Dental
  • Devoted
  • Sun Life
  • Dental Health Alliance
  • Medical Mutual/Superior
  • Unum

Out-of-Network

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If a person with a PPO insurance policy sees an out-of-network dentist, they will probably still receive some coverage. We’ll be happy to help you understand what your policy will pay for when we see you at our practice in Middleburg Heights or Lorain.