Dental Discount Plans and More
If finances are tight, chances are the dentist isn’t even on your radar. Many dentists are not very compassionate towards this situation. However, we know how tough it can be to care about oral health when your wallet is wrapped up elsewhere. So instead of complaining, we wanted to do something about it. Through our dental discount plans, convenient payment options, and other unique surprises, we’ve made good oral health accessible to everyone.
Dental Insurance: The Options
Many have trouble finding a dentist because their insurance isn’t accepted. Fortunately, we accept many major insurance companies that other dentistries do not. Below are the most common insurance companies we submit claims to.
- BCBS: BlueCross BlueShield
- Delta Dental
- United Concordia
- United Healthcare
We’re also glad to submit your claims for you, for your convenience. When you have an appointment with us, we’ll give your insurance company a call and get an estimate for your treatment. However, it’s essential that your insurance plan. Insurance companies will often provide incomplete information, which will make your estimate accurate. Be sure to call them on your own to make sure you’re familiar with the limitations of your plan.
Unfortunately, dental insurance isn’t the same as health insurance. Dental insurance rarely ever covers all of your necessary treatment. That’s why it’s important to be familiar with what your insurance plan does and doesn’t offer.
The Downside to Dental Insurance
While dental insurance can be a great thing, it’s not perfect either. In fact, dental insurance isn’t always going to give you the best deal on dental care. Out-of-pocket expenses are a necessary factor, and many fees aren’t covered at all by insurance.
The percentage you pay for your treatments will vary depending on your specific plan. Most insurance plans pay about 50% of total treatments. It obviously depends significantly on the kind of treatment. Our estimates will usually give you an idea of what you’ll owe. But it’s important to remember: our estimate is only as much information as the insurance company gives us. It’s highly possible for this estimate to be incorrect.
Be sure not to base your oral health on what your insurance will cover. This is a dangerous trap that can ultimately lead to more extensive and costly dental treatment in the future. For that reason, we want to ensure that you’re getting the most out of your insurance plan. Our team members are glad to try to help with insurance questions. However, the best solution by far is to do your homework. Don’t wait to call your insurance company and ask all the questions you can think of.
Important Things to Consider with Dental Plans
Each year, there is a certain dollar amount that your insurance company will be willing to pay for treatment. This is called the annual maximum. Sometimes your treatment costs will go beyond the annual maximum. Other times, it may not even come close. If you want to get the most out of your dental coverage, know your annual maximum and use as much of it as you possibly can. Then the money you or your employer pays each month for dental insurance won’t go to waste.
Patients all have unique and specific needs. You may need a specific treatment multiple times in a given year. Insurance plans often specify a certain amount of these treatments per year as covered. For example, you may need scaling and root planing 4 times each year. However, it’s likely that your insurance plan will have a clause like, “Coverage for scaling and root planing twice each year.” That means they’ll pay for two sessions of this treatment, and you’ll have to pay the other two out of pocket.
Least Expensive Alternative Treatments
Some dental insurance plans have a least expensive alternative treatment (LEAT). In many cases with dental care, you’ll be offered more than one treatment option. Each treatment option will have its own costs, benefits, drawbacks, and lifespans. Certain treatments may last longer and be the “right option,” but if they cost more, your insurance company may not cover them. Instead, they’ll pay whatever the cheapest option for treatment is, and no more.
Dental plans don’t usually cover any pre-existing conditions. You won’t gain any benefits from something that was already wrong before you started your insurance plan. While you’ll still need treatment for that condition, your insurance company will likely pass the cost off to you.
Again, ask your insurance company about each of these conditions for your insurance plan. This will allow you to manage your insurance effectively. Further, you’ll be able to get them to pay for as much treatment as possible, so you won’t be throwing money away. And if you’re unconvinced by the facade of dental insurance, read on to learn more about payment plans, dental discount plans, and other helpful tips.
Dental Discount Plans: The Basics
For many without insurance, dental discount plans are an excellent way to pay for treatments. Dental discount plans usually have one big, yearly fee. This fee will help cover a variety of treatments and routine appointments to varying degrees. They usually include a handful of free offers alongside their discounted treatments. They will sometimes also negate any copays and other fees.
Annual Plan Benefits
For Lincoln Dental Plans
All of X-rays
2 Regular cleanings
25% off all treatment
Our most highly recommended dental discount plans are through our partners at Lincoln Dental Plans. These plans offer the most bang for your buck at our offices. Cheap dentists hardly exist anymore, but Lincoln Dental Plans can give you access to cheap dental care. Click the logo to learn more, or call our office at 402-413-7000 to enroll.
In all of the Nebraska Family Dentistry offices, we also offer a handful of convenient payment options. We take cash, check, and every major debit/credit card. Many of our patients also use Care Credit. Care Credit is a credit card account strictly usable for healthcare. Because it can sometimes be difficult to afford health treatments you need up front, Care Credit allows you to get treatment now, and pay for it as you’re able. We also offer payment plans of our own, so if you need treatment right away, we can help you find a solution. Our team values your right to affordable dental care, so we offer as many options as possible to make sure you get the care you need. Don’t be limited by your ability to afford good care. Call us today with any questions.
Other Options for Affordable Dental Care
In all of the Nebraska Family Dentistry offices, we also offer a handful of convenient payment options. We take cash, check, and every major debit/credit card. Many of our patients also use Care Credit. Care Credit is a credit card account strictly usable for healthcare. Because it can sometimes be difficult to afford health treatments you need up front, Care Credit allows you to get treatment now, and pay for it as you’re able. We also offer payment plans of our own, so if you need treatment right away, we can help you find a solution.
Our team values your right to affordable dental care, so we offer as many options as possible to make sure you get the care you need. Don’t be limited by your ability to afford good care. Call us today with any questions.