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Dental Insurance – Rancho Bernardo, CA

Getting the Most Out of Your Benefits

When seeking dental care, your top priority needs to be making sure that your teeth and gums receive the best treatment possible. However, it’s always important to make sure that the care you receive doesn’t stress you out financially. Using your dental insurance effectively to maximize your out-of-pocket savings is extremely important, and Dr. Howard’s team is here to make sure you understand the process.

Read our brief insurance guide below and call us for tips on getting the most out of your own plan.

Patient filling out dental insurance forms

How Does Dental Insurance Work?

Blocks spelling out dental plan

Dental insurance is much easier to understand when you realize it’s not quite the same as other forms of insurance, such as medical. Medical insurance usually pays for treatment after an issue has occurred. However, with dental insurance, the focus is more on preventive care. Due to complicated oral health problems often times costing more to treat, routine dental checkups and cleanings actually save you and your insurance company money. Dental insurance plans are created to reward a preventive focus on your oral health!

What is Typically Covered?

Closeup of smile during teeth cleaning

Cleanings, checkups, x-rays, and other preventive services are often paid for in full under most dental insurance plans. Minor restorative procedures will usually receive about 70 to 80 percent coverage, while most companies will pay half the cost of a major procedure such as crown placement. Naturally, these rates will vary depending on what company you use and what plan you select. Keep in mind that cosmetic treatments and certain other procedures might not be covered at all, so you need to check your benefits beforehand.

In-Network Savings

Dental insurance plan documents

While dental offices typically accept many different insurance plans, you’ll maximize your benefits if the dental office in question is in-network with your company. An in-network provider will have set their services at a specific amount so that you can save the most money on your care. You can call us to see if we are currently in-network with your plan; note that we can still file a claim with an out-of-network plan and help you explore other options for reducing costs.

We are in-network with the following insurances: