Dental Insurance Welcome – Barnegat, NJ
Helping You Understand Your Coverage Better
Dental insurance is often a dreaded topic to navigate for most patients because of the complicated jargon and variance in coverage. At NU Dental of Barnegat, we’re here to make that process easier by helping you along every step of the way and answering any questions you may have about your benefits. Below, we’ve outlined some basics about the average dental insurance plan. If you have any questions, don’t hesitate to call us!
Understanding How Dental Insurance Works
Every dental insurance plan is different, but in order to understand most of them, there are a few key terms that you should know. These include:
- Deductible: Your deductible is the set amount of money that your dental insurance company will require you to pay every year before your benefits kick-in.
- Maximum: Your maximum is a capped-off amount of money that your dental insurance will cover for your treatments throughout the year.
- Premium: The premium of your plan is the monthly or yearly cost that you need to pay in order to get coverage.
- In-Network: In-network providers with your plan have negotiated fees and discounted rates with your insurance company to provide you with additional savings.
What Does Your Dental Insurance Plan Cover?
It’s important to note that every dental insurance policy differs, so to find out what yours covers, you’ll need to contact your insurance company directly. Typically, dental insurance providers determine coverage based on a 100-80-50 structure. Basically, what this means is that they cover 100 percent of preventive treatments, like checkups and cleanings, 80 percent of minor services, like cavity fillings, and 50 percent of more serious procedures, such as tooth extractions. That means that you can save yourself from out-of-pocket costs and keep your smile healthy by staying on top of your routine dental appointments.
We Offer In-Network Savings & Welcome Out-of-Network Providers
At NU Dental of Barnegat, we’re an in-network provider with several different dental insurance providers, which means that we’ve negotiated discounted rates and fees with them that allow us to pass on savings to you! We are also happy to file claims with out-of-network plans to help you maximize your benefits while you get the high-quality care that you deserve. To learn more about what plans we’re in-network with, call our dental office today!