THE GREAT INSURANCE BATTLE
We know that understanding insurance isn't always the easiest part of your day, so we thought we would answer a common question for our patients in the hopes to provide some clarity.
Q: What is the difference between being in-network vs. out-of-network?
A: This is answer is best explained with an example; please note this is only an example. Let's say you go to your care provider and your total fees for services provided is $250.
- If your dentist is in-network this means your doctor is part of a negotiated rate with your insurance and so the fees are reduced to $175 (vs $250). In this example, your insurance pays $140 and you pay the remaining balance of $35.
- If your dentist out-of-network and the total charge is again $250, your doctor is not a part of the lower negotiated rate. Your insurance still pays the $140 and you pay the remaining balance, which is $110, meaning you pay more out of pocket.
In summary, going out-of-network could mean you'll have to pay a larger percentage of the cost or the total cost, depending on your personal dental coverage plan. At Davis Family Dental, we are committed to helping all patients, whether you are in or out of network. Please call us if you have questions!
Helpful Tip: Instead of asking "Do you take my insurance?" ask, "Are you a direct network provider with my insurance?" All dental offices "take insurances" but the amount of coverage once again depends on your dental plan.
Below is a list of who we are contracted with to keep your costs lower! Davis & Parker Family Dental is contracted with the following insurance companies:
- Delta PPO and Delta Dental Premier
- Humana PPO
- Tricare (military)
NO INSURANCE? NO WORRIES!
We offer our own in-house Diamond Discount Plan, which is a reduced fee schedule with a yearly membership. Call us to inquire about details!
Also if you do not participate in any plans, we offer cash and check payment discounts, senior citizen and veteran discounts as well as monthly payment plans through CareCredit financing.
Don't let your lack of dental insurance prevent you from getting the quality dental treatment you need and deserve. Call us today to learn more about the ways we can work with you.