Dental Insurance – Deland, FL

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 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.

How Dental Insurance Works

Dental insurance is a great investment when it comes to ensuring the health and future of your smile. With preventive and restorative services receiving full or partial coverage, you can expect less to come out of your wallet should you require dental checkups and cleanings, fillings, crowns, root canals, or even tooth extractions.

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)

What is the Difference Between Dental and Medical Insurance?

Although it might seem as if both types of insurance are the same, they are vastly different. Medical insurance provides financial assistance after an incident occurs. For example, you break your arm, you are preparing to have a baby, or you need to be hospitalized for a serious illness.

Dental insurance, however, delivers maximum savings when it comes to prevention. Dental checkups and cleanings and other similar services designed to reduce the chances of common oral health problems lend greater savings.

In-Network vs. Out-of-Network

Knowing the difference between in-network and out-of-network dentists is important, as one will save you more money when requiring oral healthcare.

In-Network Coverage

When you’re reviewing the details of your plan, you’ll 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.

Dr. Cowell is currently in-network with Cigna PPO dental insurance.

Out-of-Network

If a dentist is not in-network, these percentages may vary slightly. However, our office is more than happy to verify your dental benefits, as we accept and process out-of-network claims as well.