Dental Insurance – Cherry Hill, NJ
Maximizing Your Benefits
for a Dazzling Smile
At Meadvin Dental, we are dedicated to helping patients make the most of their dental insurance coverage to ensure they receive the maximum benefit. Our knowledgeable dentistry team works with insurance providers on a regular basis, so we know how best to process and file claims to provide the maximum coverage. If you ever have questions about your dental insurance coverage, please don’t hesitate to call Meadvin Dental to schedule an appointment in our Cherry Hill dentistry practice.
Understanding How Dental Insurance Works
There are two main types of dental benefit plans – health maintenance organizations (HMO) and preferred provider organizations (PPO). HMOs have lower monthly premiums, but they also have more restrictions when it comes to which dentist you can visit and what treatments you can receive. PPO plans have slightly higher payments, but they are established to offer flexibility. You should be able to receive treatment from almost any dental office and still be covered by your PPO plan. Unfortunately, we are not in-network with any HMO plans, which means we are unable to offer dental care that will be covered by these benefit providers. If you have a PPO plan, we are happy to process and file dental insurance claims to maximize coverage. We are also in-network with Delta Dental plans.
What Your Dental Insurance Plan Covers
The first thing you need to understand is that every policy is unique; your particular plan won’t necessarily offer the same benefits as other plans. We can help you review your policy so that you understand exactly what you’re entitled to. In general, preventive services like checkups are fully covered. Simple services such as fillings often receive 80% coverage while more complex treatments are given 50% coverage. Naturally, each insurance company will have its own idea of what constitutes a simple or complex treatment.
In-Network VS Out of Network Care
Unlike HMO plans that have strict regulations regarding covered dental practices and treatments, PPO plans allow you and your dentist more autonomy when it comes to choosing your office and treatments. In-network dentists with PPO plans agree to established fair and average pricing outlined by your insurer. We have this type of agreement with Delta Dental, and these patients will only ever be responsible for their out of pocket percentage of treatment costs. Patients with all other PPO plans will receive out of network coverage from our team. In most cases, this makes little to no difference in your out of pocket treatment costs. We do our utmost to offer affordable prices and work with your insurance plan to ensure you receive the coverage you deserve. If we do charge slightly higher fees than those outlined by your insurer, you will be responsible for the difference in pricing as well as the out of pocket percentage of your insurer’s covered treatment cost. We will do our utmost to keep our fees within your plan’s fair and average price range.
We are in-network with the following providers:
- Aetna PPO
- Assurant
- Cigna PPO
- Delta Dental PPO
- Fidelio
- Guardian
- Humana
- Horizon PPO
- MetLife
- United Concordia
- + many more!
We can also accept out-of-network policies. Get in touch with us today to learn about the savings you can expect with your current plan.