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Why Choose an In-Network Dentist? Delta Dental Find a Dentist
Choosing the right dentist is no easy task. In addition to being highly qualified and experienced, the dentist should also be affiliated with your dental insurance network. If you have Delta Dental PPO insurance, then you must find an in-network dentist. But why is that important? Why is it important to find a dentist that’s affiliated with Delta Dental PPO? What makes Delta Dental PPO insurance so special and why choose an in-network dentist? In this article, we discuss how Delta Dental finds a dentist and the benefits of an in-network dentist.
What is an In-Network Dentist?
Before we discuss why you should find a dentist who is in-network, we need to clarify what we mean by an in-network dentist. An in-network dentist is also known as a participating provider, i.e., someone who is contracted with your insurance provider and someone who can provide dental services at a reduced rate. When you’re trying to find a dentist in-network, you’re basically looking for dentists affiliated with your insurance providers. By choosing an in-network dentist, you can have your oral needs taken care of at a reduced rate. In most cases, in-network dentists provide at least two preventive care appointments per year for free. Some in-network dentists also cover around 50% or more of the cost of restorative dentistry procedures like dental crowns and dental bridges.
Why Should I Find a PPO Dentist Near Me?
When looking for insurance coverage, you have two options — PPO and HMO plans. HMO plans, short for Health Managed Organization plans, offer oral care services for low monthly or yearly fees. As such, you can take care of basic preventive care services at low pre-established rates. But HMO also locks you into a single network and you can’t see dentists outside the network. PPO plans, short for Preferred Provider Organization plans, provide coverage for a wider variety of dental treatments and procedures but they also charge a higher premium.
Furthermore, you should generally go for PPO dentists because Delta Dental PPO is also extremely flexible — you can consult an in-network dentist but you can also visit out-of-network dentists if you choose. When you go to an in-network dentist, you’ll get the treatment at a reduced rate. However, when you go to an out-of-network dentist, you’ll have to pay the standard rate but you’ll be able to apply for reimbursement. As such, you should find a PPO dentist because they offer a lot more flexibility. The following are some other benefits of PPO dentists:
- In-network PPO dentists have pre-established fees with the insurance provider so you have to pay less out-of-pocket and there’s no need to file for reimbursement.
- You get a wide range of coverage with benefits.
- You can also opt for out-of-network dentists and file a claim for reimbursement. As such, you have a lot more flexibility with PPO dentists.
Can a Dentist Charge Beyond What is Covered by the Insurance?
Whether a dentist charges beyond what’s covered by insurance depends entirely on whether they’re an in-network or out-of-network dentist. In-network dentists aren’t allowed to bill patients out of the network’s negotiated fee because all the prices are pre-established and they’re contractually bound to follow them. However, patients do have to pay any stipulated deductible or copays as mentioned in the insurance policy. Out-of-network dentists, however, can bill the patient as they choose regardless of the insurance provider. This is yet another reason why you should choose an in-network dentist — because you know exactly what you’ll be paying and they can’t ask for a greater sum.
Does Dental Insurance Cover Root Canals? How Much is a Root Canal with Insurance?
Root canal treatment is generally categorized under daycare therapy — whether it’s covered by dental insurance depends entirely on your insurance provider. Most insurance providers do offer coverage for root canals, but you should consult your doctor or insurance provider directly. The cost of a root canal without insurance is around $1,000. However, in most cases, dental insurance providers offer coverage of 50% to 90% for a root canal procedure, so you may have to pay $500 or less for the treatment. However, this depends entirely on the condition of your teeth and your specific insurance provider’s policies.
Are Wisdom Teeth Covered by Dental Insurance?
Wisdom tooth removal is generally considered to be medically necessary so dental insurance can generally pay for around 50% of the cost of wisdom tooth removal. The exact amount depends on your specific insurance provider. Some insurance providers also cap dental care coverage at $1,000 to $1,500. Discuss the details with your dentist or dental insurance provider.
How to Find a Dentist Near Me?
Are you trying to find a dentist? If so, you should look for the nearest dentist affiliated with Delta Dental PPO. As mentioned previously, in-network PPO dentists are the best because they offer discounted rates for all dental procedures and you don’t even have to file claims for reimbursement. As such, you can drastically reduce your overall cost of treatment and you don’t have to pay much out-of-pocket.
Schedule an Appointment with the Nearest Emergency Dentist
URBN Dental is affiliated with Delta Dental PPO and we have some of the world’s finest PPO dentists Dr. Benjamin Golik and Dr. Chae. For more information, please schedule an appointment with the nearest dentist today.
Summary
Choosing the right dentist is no easy task. In addition to being highly qualified and experienced, the dentist should also be affiliated with your dental insurance network. If you have Delta Dental PPO insurance, then you must find an in-network dentist. An in-network dentist is also known as a participating provider, i.e., someone who is contracted with your insurance provider and someone who can provide dental services at a reduced rate. When you’re trying to find a dentist in-network, you’re basically looking for dentists affiliated with your insurance providers.
By choosing an in-network dentist, you can have your oral needs taken care of at a reduced rate. Furthermore, you should generally go for PPO dentists because Delta Dental PPO is also extremely flexible — you can consult an in-network dentist but you can also visit out-of-network dentists if you choose. URBN Dental is affiliated with Delta Dental PPO and we have some of the world’s finest PPO dentists Dr. Benjamin Golik and Dr. Chae. For more information, please schedule an appointment with the nearest dentist today.