Yearly Dental Insurance Maximum

One of the distinguishing factors of a dental plan is the yearly maximum. Typically, most dental insurance plans only cover $1000 to $1500 worth of dental treatment per year. However, we have seen plans as small as $500 to as big as $3000 per year coverages. In layman’s terms, that means that once your dental insurance company pays that amount, they will not pay anymore. Dental Insurance is much different from medical insurance, car insurance, homeowners insurance, or any other insurance. It’s in a ballpark of its own, and we’re here to break it down more for you.

Preventive Dental Insurance Coverage

Your dental insurance will most likely cover preventive services such as cleanings and exams. Insurance companies want you to keep up on preventive care as much as we do! Neglecting routine cleanings and exams costs you and your insurance provider big money! Each plan is different, but most dental insurances cover 100% of routine cleanings and exams (considered under the coverage type called preventive). You will not pay any out of pocket for this in most cases. It may as well be free! (Except that you likely pay for this through your employer or individual plan). Moreover, preventive care is the most important thing for your oral health.

Dental Insurance Deductibles

You have probably heard of deductibles before. A deductible is what you pay for dental services out of pocket. Unlike medical insurance, your dental Deductible is usually smaller, and once you hit your Deductible, insurance will only pay up to your yearly maximum. Generally speaking, insurances do not require the Deductible to be paid to get preventive care. Again, FREE preventive! Paying the Deductible is usually for major or minor services such as crowns or fillings, respectively.

Types of Dental Insurances

Commercial Insurance

Commercial dental coverage is insurance through your employer. This is a benefit you pay for through your job. Sometimes your employer will pay towards your dental plan, too. Hale Family Dentistry is in-network with most local Fort Wayne companies’ dental insurances and nationwide carriers.

Medicare Insurance     

Hale Family Dentistry is in-network with many Medicare plans. Traditional Medicare plans do not cover dental, but Medicare alternatives such as United Healthcare Advantage Plans or AARP plans have dental with varying coverage depending on the plan you choose.

In-Network

We believe that dental care should be affordable and accessible to everyone. For this reason, we are in-network with many commercial and Medicare plans. We will submit dental claims to your insurance and help you navigate the insurance process.

Out-of-Network 

When we are out of network, we can still provide care at our office for a reduced fee called “Usual & Customary” rates. Sometimes someone in-network and out-of-network coverages are the same! Our office and staff can help you navigate and understand your insurance if you’re out-of-network but still want to be a patient here.