The Top 5 Things You Should Know About Saving Money with Dental Insurance

If you have Dental Insurance and are looking for a dentist, endodontists, oral surgeon, periodontist, or prosthodontist there are several things that you should keep in mind.

While all Dental insurance plans have a yearly maximum, you will also find that each and every plan has a network of providers that offer services to those individuals who have insurance. Whether you have Aetna, Delta Dental, Metlife or any other dental insurance there are ways in which  you can stretch your dollar further and still get quality dental care.

Rule #1 - Look for a provider in your network. You can normally find a list of these providers on your insurance company website. Network providers are obligated to only charge you up to a certain amount that is set forth by your insurance company. A provider may charge $200.00 to pull your tooth, but if your insurance will only pay $140.00 for that particular service, then your provider cannot charge you anymore than the $140.00 if they are in network with your dental plan. If your plan pays 80% of that cost then you will pay less by using an in network provider versus an out of network provider. If you use an out of network provider then your insurance company will only pay $140.00 and you are responsible for the remainder plus your 20%.

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