Understanding Dental Insurance
Dental insurance can be confusing. A treatment may be recommended for your oral health, but that does not always mean your insurance plan will pay for all of it. At Providence Dental, we believe you should understand both your dental care and the financial side of treatment before making decisions.
We Accept Most Dental Insurance
Providence Dental accepts most dental insurance plans, and we are happy to work with out-of-network plans too. If you are not sure how your plan works with our office, call us before your visit. Our team will help you understand your benefits so you can make informed decisions about your care.
Our recommendations are always based on your individual dental needs, not on what an insurance company chooses to cover. We are happy to help you understand your insurance information, but your specific benefits are determined by your insurance plan.
What If My Plan Is Out of Network?
Being out of network does not mean we do not take your insurance. Many dental plans include out-of-network benefits that can be used at our office. How much your plan pays depends on your specific policy, and your out-of-pocket costs may differ from an in-network office.
Our team is glad to help you understand what your out-of-network benefits may look like before treatment begins, so there are no surprises.
How Dental Insurance Works
Dental insurance typically helps pay for certain preventive, basic, and major dental services. What your plan covers depends on your specific policy.
Common insurance terms include:
Deductible
The amount you may need to pay before certain benefits begin.
Annual Maximum
The most your plan may pay toward covered dental services during a benefit year.
Coinsurance
The percentage of a covered service you may be responsible for paying.
Waiting Period
A period of time that may need to pass before certain services are eligible for coverage.
Frequency Limitations
Rules about how often your plan will cover services such as exams, cleanings, or X-rays.
Coverage percentages, limitations, exclusions, and maximums vary by plan. Your insurance company can provide the most current details about your individual benefits.
Insurance Coverage Is Not the Same as Dental Need
One of the most important things to understand about dental insurance is that coverage does not determine whether treatment is necessary.
Your plan may cover only part of a recommended procedure, place limits on how often a service is covered, or exclude certain treatments altogether. That does not automatically mean the treatment is unnecessary.
Dr. Londan Davis and our team evaluate your teeth, gums, symptoms, health history, and other clinical factors before discussing treatment. We will explain what we find and why a particular option may be recommended. You can then consider your dental needs, treatment choices, insurance benefits, and financial situation before deciding how to proceed.
What Will My Dental Insurance Cover?
There is no single answer because every dental insurance policy is different. Preventive services such as exams and cleanings may receive different coverage than crowns, bridges, dental implants, periodontal therapy, or other treatment.
Before assuming a service is covered, review your current plan documents or contact your insurance provider. Estimates of insurance benefits are not guarantees of payment, and you may remain responsible for costs your plan does not cover.
Our team believes in transparency. We want you to understand expected costs as clearly as possible before beginning treatment.
No Dental Insurance? Consider Our Dental Savings Plans
Traditional dental insurance is not the only way to plan for dental expenses. Providence Dental offers two in-house savings plans for patients who do not have insurance or prefer a direct approach to paying for care.
Dental Savings Plan: $350 per year. Includes two exams, two regular preventive cleanings, eight decay-detecting X-rays, and discounts on many eligible services.
Periodontal Savings Plan: $550 per year. Includes everything in the Dental Savings Plan, plus four periodontal maintenance cleanings per year instead of two regular cleanings. Patients on this plan save over $1,000 a year.
Members receive 25% off eligible crowns, bridges, and implant services and 15% off other eligible services, including whitening. The plans have no waiting period, yearly maximum, or deductible. A $25 one-time setup fee per family applies.
Our savings plans are not dental insurance. The implant discount excludes full-mouth dental implants. Plans cannot be financed, and plan discounts cannot be combined with Cherry or CareCredit financing. Additional terms and limitations may apply.
Frequently Asked Questions
Do you accept my dental insurance?
Providence Dental accepts most dental insurance plans, and we are happy to work with out-of-network plans too. Call our office with your plan information, and our team will help you understand how your benefits apply.
What does it mean if my plan is out of network?
It means our office is not part of your insurance company’s network, but you may still be able to use your benefits with us. Many plans include out-of-network coverage, and our team can help you understand what to expect before treatment.
Will you help me understand my benefits before treatment?
Yes. We review estimated costs with you before treatment begins so you can make decisions with clear information. Insurance estimates are not a guarantee of payment, but we will help you understand what to expect as clearly as possible.
Clear Information Before You Choose
Insurance can be one part of planning dental treatment, but it should not leave you confused about what your mouth needs. At Providence Dental, Dr. Londan Davis and our team take time to explain your oral health, treatment options, and expected costs without pressure.
Whether you use dental insurance, enroll in one of our savings plans, or pay for care directly, our goal is the same: help you make an informed decision that makes sense for you.
Have questions about paying for dental care? Call Providence Dental at (405) 691-0836. Our Oklahoma City team can answer your insurance questions, explain our savings plans, and help you understand the next steps before beginning treatment.