Dental Insurance – DeLand, FL
Enjoy Lower Cost Dental Care
Dr. Cowell and the rest of our team place a strong emphasis on making sure every patient we treat has a positive experience. That’s why we provide gentle, compassionate care, maintain an inviting environment, and happily work with our patients’ insurance policies. We gladly accept payment from PPO dental plans, and we’ll even file your claims for you so you won’t have to stress about too much paperwork. This page explains some of the basics of how PPO plans work and how our team can help you get the most out of your policy.
PPO Plan Basics
A PPO dental plan allows its policyholders to visit any licensed dentist and still use their benefits. Coverage rates are usually something like this:
- Preventive care: 80 – 100 percent covered
- Minor restorative care: 50 – 70 percent covered (after a waiting period of 6 – 12 months)
- Major restorative care: 40- 50 percent covered (after a waiting period of 6 – 12 months)
When you’re reviewing the details of your plan, you’ll also see some information about its network. If a dentist is in-network with your plan, that means they have a contract with the insurance company. They’ve agreed to certain prices for their services, and they’ve agreed to use certain techniques and materials when treating patients.
If a dentist is not in-network with your plan, you’re still free to use your benefits in their practice. Dr. Cowell chooses not to be in-network with any insurance plan because he so strongly believes in putting his patients’ oral and overall health above anything else. Some of the restrictions that insurance companies put on dentists could stop him from providing the best care possible.
Dental Insurance FAQs
How Can I Get the Most Out of My Policy?
One way you can more value out of your dental insurance in DeLand is by visiting us every six months for a cleaning and checkup. You’ll pay little to nothing out of pocket for this essential preventive service. You can also ask our team for tips on how you can get more out of your annual maximum (the most that insurance will pay out in a year).
What if My Insurance Doesn’t Cover a Needed Procedure?
If your dental insurance doesn’t cover a procedure that Dr. Cowell recommends, or if you need some restorative treatment done before your insurance’s waiting period is over, our team can help you apply for low- or no-interest financing.
Is There Anything I Can Do if I Don’t Like My Insurance Plan?
One of the major differences between dental insurance and health insurance is that you can shop for dental insurance at any time. If you find a plan that offers better out of network coverage, you should be able to purchase it right away. If you’ve already had dental insurance for a while, your new plan might even waive your waiting period.
Ready to Learn More?
Dr. Cowell has decades of experience as a dentist in DeLand. Over the years, he and his staff have learned the ins and outs of how they can provide the best possible care for patients, regardless of what type of dental insurance they have (or even if they don’t have dental insurance). To learn more about how we can help you maintain a happy, healthy smile without putting you under undue financial stress, schedule an appointment or give us a call today.