How to maximize your dental insurance plan

Maximize your dental insurance plans

Taking care of your teeth can be easy so long as you brush, floss and schedule regular dental appointments. However, understanding your dental insurance plan in order to choose the best dentist office in your area can be a little more confusing. With so many guidelines, rules and medical jargon affecting your decision, it can be incredibly difficult to make sure you’re getting the maximum benefits out of your insurance plan.

Luckily, we at Advanced Dental Care of Sarasota have some basic information to make understanding your insurance information and selecting the best plan for you and your family a snap. Here are some things to keep in mind.

HMO

One of the main types of dental care insurance plans is the HMO, which stands for a health maintenance organization. People who are on an HMO plan typically must go to a dentist office within their insurance plan network – this usually involves selecting a primary dental care provider and paying a monthly fee.

Once you have selected a dentist, an HMO will often cover the cost of services like cleanings, exams and x-rays. For more involved procedures like fillings or crowns, you may have to pay a part of the fee out of your own pocket. If you need to see a specialist outside of your network for any reason, you’ll need a referral from your dentist before your care will be approved. In order for you to enjoy your maximum insurance benefits, you must stay with a dentist within your network – scheduling an appointment with another provider will mean covering the entire bill yourself.

PPO

The second most common type of dental insurance plan is the preferred provider organization, or PPO. This usually offers you a bit more leeway to shop around for a dentist of your choice, which also gives you the freedom to see a dentist outside of your network.

However, PPOs often require that you pay a deductible as well as coinsurance when visiting a “preferred” care provider within your insurance network. Seeing a dentist outside of your coverage will also mean paying higher fees. And while you don’t need a referral to receive care from a specialist with a PPO, some may request this anyway.

Your insurance providers

So now that you know a little bit about the differences between HMO and PPO dental insurance plans, you might be wondering which providers are accepted at our office. For residents in the Florida area, accepted insurance companies include Aetna, Ameritas, Dentemax, Lincoln Financial, United Healthcare, Cigna, Guardian, Blue Cross & Blue Shield, TriCare (for military personnel), MetLife and Principal, among many more.

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The promptness of my appointment, The professional service received.
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Love the team at Advanced Dental and thoroughly trust them with my dental care. Enjoy seeing the dental hygienists Lenor, who has been taking care of my dental hygiene needs for years and the dental […]
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highly skilled, friendly, and pain free
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Excellent dentist and staff and hygienist
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Professional and knowledgeable staff. I highly recommend this dental practice.
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The staff at Advanced Dental got me in with no appointment and are always very helpful & friendly!
Lyamber W.
Friendly staff. My hygienist was awesome
Linda E.
Prompt service, Great staff. Well organized.
Gaspar J.
Rosa was professional and friendly. I believe she did a very through job of cleaning my teeth.
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The staff is amazing and go out of there way to make you comfortable from the moment you walk in to checkout!!
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Great staff
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Great Care and ALL Employees were AMAZING!
Carl P.
There service and the people who work there are great
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The dentist was very professional and so was his assistant
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Over all good experience
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We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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