Dental Insurance
Achieve Optimal Oral Health Using Your Dental Insurance
At Integrity Dental, Dr. James R. Cole believes everyone should have access to affordable dentistry. He works with your dental insurance in Farmington to help you achieve optimal oral health for reduced rates. You can visit your dentist regularly to keep your teeth and gum healthy. This lowers your long-term costs for care by preventing the need for an invasive procedure down the road. In fact, every $1 spent on prevention can save you $8 to $50 on restorative and emergency services. Dr. Cole and his team will help you get the services you need for minimal cost.
How Dental Insurance Works
Every month you pay your premium for your insurance policy. This allows you to enjoy a variety of cost savings opportunities after paying your annual deductible until you reach your yearly limit. Depending on your specific coverage, you can enjoy:
- 100% preventive care.
- 80% minor restorative care.
- 50% major restorative care
What is the Difference Between Dental and Medical Insurance?
Often, it is believed medical and dental insurance is the same, but they are not. Medical insurance is there for you after an illness or injury occurs. Dental insurance is designed with prevention in mind. It provides the services you need to keep your smile healthy to reduce the need for a costly treatment in the future. With the right care over the years, your teeth can last for a lifetime.
Every year, you are given a certain allowance to use toward the treatments you need. At the end of the year, your benefits expire. They do not carry over for accumulation and you will not be reimbursed for those you have not used. With less than 3% of Americans meeting or exceeding their annual coverage, we want to see you make the most of your benefits.
We work on your behalf with your insurance company to file the necessary claims and paperwork, so you have one less thing to worry about.
In-Network vs. Out-of-Network
Integrity Dental is pleased to work with both in-network and out-of-network patients. We help you maximize the value of your benefits to reduce the amount you need to pay.
In-Network Coverage
It is recommended you visit an in-network dentist, like Dr. Cole. He has pre-negotiated rates with many insurance companies to reduce the amount you need to pay. He is in-network with:
- Assurant
- BlueCross/BlueShield
- Cigna
- Delta Dental
- Guardian
- Humana
Out-of-Network Coverage
Although it is recommended you visit a dentist who is in your network, you have the freedom to visit any location that accepts your insurance. As your dentist in Farmington, Dr. Cole works with out-of-network patients as well to maximize their annual benefits. You can still use your coverage, but you will need to pay the difference between our fees and your insurance’s allowable amounts.
Invest in Your Smile
Now, nothing needs to stand in your way of a healthy smile. You can get the affordable, high-quality care you deserve using your dental insurance. Contact Integrity Dental to learn more about your coverage and how it can be used to achieve optimal oral health.