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Delta Dental Insurance Coverage

Smiling woman on phone looking at laptopVisiting the dentist’s office may not be your favorite thing, but at Vista Dental in Sparks, we really go the extra mile to make your trip to our dentistry practice a positive experience. One thing that many patients don’t necessarily consider when finding a dental office where they feel comfortable is insurance coverage. However, finding a dentist who takes your insurance is actually an important step to choosing a dental office where you will always have a stress-free experience. At Vista Dental, we are happy to process and file claims for most PPO dental insurance providers, and we offer in-network coverage for many insurers, including Delta Dental. If you want to learn more about insurance coverage in our office, please don’t hesitate to call to schedule an appointment in our Sparks dentistry practice today. One of our knowledgeable team members will be happy to help you review your policy and better understand your specific benefit plan.

Your Delta Dental Policy

Every Delta Dental plan is different. In fact, even if you have insurance through an employer, you and your coworkers will have opportunities to choose between a variety of plans, and that means you’ll receive different benefits. For the most part, Delta Dental PPO plans offer the following benefits:

Smiling man and woman discussing dental insurance coverage
  • Preventive care – typically covered 80 to 100%
  • Restorative treatments – typically covered 50 to 80%
  • Orthodontics – (when elected) typically covered 20 to 70%
  • Miscellaneous services – typically covered between 10 and 50% (may include services like dental sedation and mouthguards)

Maximizing your Benefits

Dental insurance written on post card next to cup of coffeeIn order to make the most of your Delta Dental benefits, you’ll want to avoid the need for restorative services that receive lower percentages of insurance coverage. The best way to do that is to keep up with your six month dental appointments. In most cases, Delta Dental covers these checkups 100%, so you’ll have minimal out of pocket costs. When you visit us frequently, we will be able to partner with you to prevent many oral health issues and diagnose others in the earliest stages, keeping your smile healthy and avoiding the need for costly restorative treatments.

Trust an In-Network Dentist

Man handing insurance card to dental employeeIf you have an HMO dental insurance policy, you will be strictly bound to visit an in-network dentist in order to receive benefits from your insurer. PPO plans, like most Delta Dental benefits, are designed to offer patients the flexibility to choose the right dental office for their unique needs. So, why is there a network at all? In-network dental offices with PPO plans have agreements with your insurer that protect you from paying additional out of pocket fees. Your insurance plan outlines a percentage of the cost of necessary dentistry treatments that your insurer will cover. Unfortunately, many patients don’t know that this percentage of coverage is only for a set range of pricing. Out of network dentists may charge fees higher than those deemed fair by your insurer, but you will need to pay the difference in addition to your out of pocket percentage of treatment costs. Fortunately, these difference in pricing are usually minimal, but choosing an in-network dentist may remove a little extra stress from your dental visits.