Dental Insurance – Colorado Springs, CO
Keep Oral Healthcare Easy and Affordable
At Aspen Ridge Dental Care, we understand that many of our patients may sometimes struggle to make their oral health services fit in their budgets. That’s why we accept insurance policies from a wide range of providers that can reduce the cost of preventive, restorative, and emergency dental treatments. When we see you during your consultation, we will be happy to help you navigate your policy so you can understand how it works and what it will pay for, and we’ll also file your claims and help you maximize your benefits. Here’s a brief guide to how dental insurance works at our office in Colorado Springs, but please feel free to contact our staff if you’d like to know more.
How Dental Insurance Works
Dental insurance works similarly to other types of insurance like homeowner’s, healthcare, and auto policies. The policyholder pays a monthly fee in exchange for access to dental care at reduced rates. However, dental insurance plans usually impose limitations such as:
- Benefits are typically in effect for twelve months, and they will not roll over to the next year. When the policy resets, your deductible will return to $0.
- Coverage for minor and major restorative procedures will usually only take effect after the policyholder meets their deductible for the year.
- An annual maximum designates the most amount of money the insurance provider will pay in a year. The patient will probably have to pay out of pocket after the cost of their dental care for the year exceeds this amount.
Most dental insurance policies provide 80% to 100% coverage for routine care such as checkups and cleanings, which helps patients stay healthy and prevents the need for more costly restorative treatments. This also helps keep rates low for other policyholders.
What Is the Difference Between Dental & Medical Insurance?
Dental and medical insurance policies work similarly, but there are a few key differences. While medical insurance is designed to provide coverage for unforeseen accidents and medical issues, dental insurance focuses more on preventative care that can help patients avoid destructive oral health problems. The skilled staff at Apsen Ridge Dental Care will be happy to help you understand the details of your plan and find the best ways to maximize your benefits so you can maintain excellent oral health.
In-Network vs. Out-of-Network
Choosing a dentist who is in network with your insurance provider can give you access to more affordable dental care as well as a more streamlined claim-filing process. This can help keep oral health services more convenient, affordable, and stress-free.
In-Network Coverage
The team at Aspen Ridge Dental Care is proud to be in network with:
- Aetna
- Ameritas
- Anthem Blue Cross Blue Shield
- Blue Cross Blue Shield Federal Employee Program
- Careington
- Cigna
- Delta Dental
- GEHA
- Guardian
- Humana
- MetLife
- Tricare Dental Program
- United Concordia
- UnitedHealthcare
Out-of-Network
Even if we are not in network with your insurance provider, we will be happy to provide you with exemplary oral health services. We’ll also still file your claims and other paperwork so you won’t have to worry about it.