Dental Insurance -- Roswell, NM
Getting dental insurance is a wonderful way to invest in your oral health -- but it takes knowing how your plan works to really make the most out of it. We understand the challenge of dealing with insurance companies, and are therefore here to help you figure out the details of your coverage to ensure you stretch your benefits to the maximum. Keep reading to learn more about how we handle dental insurance in Roswell, NM.
How Does Dental Insurance Work?
You receive dental insurance coverage in exchange for a fee paid monthly (the premium). The amount usually ranges around $50 for an individual and $150 for a family. With this amount, you are eligible for a list of services that you can receive for free or discounted once you reach your deductible for the year. Most insurance plans are set on a calendar year, and benefits usually do not rollover from one period to the next.
The details may vary a little based on decisions you or your employer make at the time of enrollment, but your dental insurance coverage will look something like this:
- Preventive care: 100% covered. This includes checkups and cleanings, X-rays, and sometimes dental sealants and fluoride treatments for children.
- Minor restorative care: 70% to 80% covered. This includes silver/tooth-colored fillings, extractions, and more.
- More major restorative care: 50% covered. This includes dental crowns, dentures, bridges, and other services.
Dental Insurance vs. Medical Insurance
Dental insurance does not work the same way as your medical coverage does. The latter works more for existing problems and emergencies -- but dental insurance has a significant focus on prevention. This is good because it is easier to stop problems like tooth decay and gum disease from occurring in the first place rather than fix them after the fact. You are paying for your preventive care upfront in the form of your monthly premium, so make sure to take advantage of it by scheduling and attending these routine visits.
In-Network vs. Out-of-Network Dentists
As your family dentist, we want your dental care to be as high in quality as it is affordable. That is why we are in-network with some of the nation’s leading dental insurance providers. But, we can help you stretch your benefits to the max no matter who your dental insurance provider is. Find our list of in-network providers below, and do not hesitate to get in touch with us to discuss your coverage in more detail.
Our In-Network Providers
Don’t see yours listed here? Give us a call.
Out of Network? No Problem!
Unlike with medical insurance, you are not necessarily penalized for going outside of your network with dental insurance. Even if we are not specifically in-network with your provider, we will be happy to process and file your insurance claims to ensure that you receive the maximum reimbursement. That means you have the option to choose which dentist in Roswell will provide your dental care!