Dental Insurance Aurora
Making Your Dental Care More Affordable
At Mauck & Ricci, DDS, our Aurora dentist and dental care team pride ourselves on offering affordable, comprehensive dental care for every patient. One way we help make your necessary dentistry services more affordable is by processing and filing dental insurance claims to maximize your benefits. If you have questions about your dental insurance policy or you want to find out more about the services offered in our dental office, don’t hesitate to call our Aurora dentist and dental care team. We’ll be happy to help you over the phone if possible or schedule an appointment for you to visit us in our comfortable, state-of-the-art dentistry practice.
Dental Benefit Basics
The majority of dental insurance plans are either health maintenance organizations (HMO) or preferred provider organizations (PPO). HMO plans have lower monthly premiums, but they place greater restrictions on the dentists you can visit for your dental care needs. We are not currently accepting any HMO plans, but in some cases, you may be able to apply for exception through your HMO plan. Please let us know if we can help with this process. PPO insurance networks are more flexible. They have higher monthly premiums, but these plans allow patients to receive coverage at almost any dental office. In exchange for the payment of the monthly premium, PPO plans cover a percentage of the cost of dental services within an acceptable fair price range. These plans also set annual coverage maximums that typically fall between $1000 and $1500.
What Treatments Are Covered?
Every PPO insurance plan is unique and can change based on a number of factors. In many cases, patients are able to pay higher premiums in order to receive greater coverage percentages or include more services within their policies. Typically, you can expect to receive the following treatment coverage:
- 80 to 100% coverage for preventive dentistry
- 50 to 80% coverage for restorative dentistry
- 20 to 70% coverage for orthodontics (if elected)
- 10 to 50% coverage for miscellaneous services like mouthguards and dental sedation
How Can I Maximize My Coverage?
The easiest way to maximize your coverage is to keep up with your biannual dental appointments. These visits receive the greatest percentage of coverage and keeping your smile healthy with preventive care is the best way to avoid the need for more advanced dental care that receives lower insurance coverage. You should also communicate with our team regularly about your annual maximums, covered treatments, and whether or not you should apply for benefit preapproval before beginning treatment.
Do I Need to Visit an In-Network Dentist?
The great thing about PPO dental insurance plans is that you have the flexibility to choose a dental office that works for you. We offer in-network coverage for patients with Delta Dental, but even if you have a different insurer, our knowledgeable team can help you to maximize your benefits and minimize out of pocket treatment costs. Our prices are fair and affordable, so the fees we charge typically fall at or below the maximum covered cost set by your insurer. In rare cases, our fees may be slightly higher, but we do our best to minimize these costs for our patients. Those patients covered by Delta Dental receive in-network coverage. Our team knows the pricing set by the insurer, so you won’t need to worry about any additional out of pocket costs. Our goal is to make the insurance claims process simple and stress free for all of our patients.