Dental Insurance – Lincoln, NE

Protect Your Beautiful Smile with Dental Insurance

At Pioneer Periodontics & Implant Dentistry, we understand that when you protect your smile, it doesn’t just benefit your teeth and gums. Studies have shown that excellent oral health can help prevent a variety of systemic issues that could negatively affect your quality of life. We also know that caring for your teeth and gums can be expensive, which is why we’re proud to welcome dental insurance and be an in-network provider for Blue Cross Blue Shield.

We are also happy for the opportunity to assist you in maximizing your benefits and filing your claims, thereby protecting your teeth and your wallet. To get started saving your teeth, gums, and hard-earned money, contact us today for an appointment.

Dental insurance saves you money while protecting your smile

How Dental Insurance Works

Dental insurance provides valuable opportunities to save money on dental treatment

Dental insurance is a lot like car insurance or health insurance in that it’s designed to save you money. It works by you, the policyholder, agreeing to pay a monthly fee in exchange for your dental insurance company providing benefits you can use with a dentist who accepts them. However, it is important to keep the following information in mind:

In most cases, your dental insurance policy is based on a calendar year. This means that your benefits will not “roll over” into the new year, but will instead reset on January 1, bringing your deductible back to $0.
You must meet your annual deductible before your dental insurance company will agree to pay for any minor or major restorative work.
Your annual maximum is the specific amount of money allocated to you by your dental insurance company and is the most they’ll agree to pay for you and your family’s dental care during a single, calendar year.

Because most dental insurance companies will agree to cover approximately 80% to 100% of the cost of your preventive care, we highly recommend maintaining all your regular, six-month dental check-ups and cleanings, since these will be of little to no cost to you, and will help you prevent or reduce future costs by protecting your teeth from future problems.

What is the Difference Between Dental & Medical Insurance?

While they both help cover some of the cost of care, the similarities between medical insurance and dental insurance end there. Dental insurance was designed to help you prevent oral health problems before they begin, which is why most plans cover more for preventive care than they do for restorations. Your dental insurance provider wants to reduce your need for more costly treatments like root canals, extractions and periodontal therapy because the more money you have left in your annual maximum at the end of the year, the more they get to keep!

Conversely, your medical insurance may offer some coverage for general wellness exams, but they typically pay out more for things like emergencies, surgeries, and hospitalizations after an incident has occurred.

In-Network vs. Out-of-Network

We accept both in-network and out of network dental insurance plans

In-network versus out-of-network are two terms that can also be somewhat confusing. The difference typically lies in how much you’ll pay for your care. In most cases, you’ll pay less to see an in-network dentist over an out-of-network dentist because your dental insurance provider has already negotiated rates with in-network providers to save you money.

In-Network Coverage

At Pioneer Periodontics & Implant Dentistry, we are pleased to be in-network with Blue Cross Blue Shield, but we’re happy to accept plans from other providers and are committed to providing each patient with the same high-quality care no matter how they are paying. However, by being a member of Blue Cross Blue Shield, we can ensure that you’re paying the lowest cost for the services you receive.

Out-of-Network

Should you choose to visit a dental office that is out-of-network with your dental insurance provider, it’s possible that you may pay a higher cost for your treatment and may even be required to pay for any additional treatment balance up front. At Pioneer Periodontics & Implant Dentistry, we’re committed to providing you with the same, compassionate, skilled care no matter which payment method you select. Our dental insurance team will be happy to assist you with filing your paperwork and claims on your behalf, whether you have an in-network plan or not.