Dental Insurance – Brandon, SD

Your dental insurance is an investment in your oral health. Paying your monthly premiums gives you access to reduced rates for the state-of-the-art services your teeth and gums need to stay healthy. We know dental insurance in Brandon can be confusing, but you don’t have to navigate your policy alone. We’ll help you maximize your annual benefits, so you can reach your oral health goals without draining your wallet.

How Dental Insurance Works

Your dental coverage is designed to lower your oral health expenses by preventing common problems, like tooth decay and gum disease. The American Dental Association recommends visiting your dentist every 6 months for a cleaning and checkup. As a result, you’ll preserve your natural smile and avoid needing a costly treatment later to save even more money. However, if a complication arises, your dental insurance in Sioux Falls can be used to offset the cost. Although every policy differs, most plans include:

• 100% of preventive services
• 80% of minor restorative services
• 50% of major restorative services

What is the Difference Between Dental & Medical Insurance?

Your dental coverage works a bit differently than your medical plan. Your monthly premiums provide you with an annual allowance to use toward the cost of your dental care. After a copayment, you can visit your dentist twice a year for a cleaning and checkup. If you require a restorative treatment, your dental insurance can offset the expense after meeting your yearly deductible. Depending on the procedure, they can cover up to 80% of the cost, so you can rehabilitate your smile, even if money is tight.

At the end of the calendar year, your dental benefits reset. Nothing will accumulate into the new year, and you aren’t reimbursed for anything, including your premiums or deductible if you don’t use all your coverage. On average, less than 3% of Americans meet or exceed their annual limits. We’ll ensure you don’t throw money down the drain by reaching your oral health goals for minimal out-of-pocket expense.

In-Network VS. Out-of-Network

You have the freedom to choose any dentist that accepts your coverage. We are proud to accept both in-network and out-of-network patients to keep dental care affordable for everyone.

In-Network Coverage

Your dental insurance recommends choosing a dentist in their network because they have pre-negotiated rates for specific treatments. You’ll enjoy more coverage at the time of service. We are in-network with:

• Delta Dental

Out-of-Network

Although your insurance recommends an in-network practice, you can choose any location that accepts your coverage. You can enjoy more treatment options while choosing the exact dentist you want; however, you’ll have to pay the difference between the office fees and your insurance’s allowable amounts.

If you’re ready to invest in your oral health, it’s time to contact our office to schedule an appointment. We will explain how your coverage is being used, and if there’s any remaining balance. A member of our team will review your payment options for any out-of-pocket expenses.