An in-network dentist is typically under contract and agrees never to balance bill you more than their contracted fee.
Dental insurance is a win-win for you if you can save money on dental care now and help you prevent more expensive treatments down the road. Another win is receiving more dental coverage value by visiting an in-network dentist. Here is how it works:
Save Money
An in-network dentist is typically under contract and agrees never to balance bill you more than their contracted fee. For instance, you pay 20% of your dental contracted fee if you have a 20% coinsurance amount. In contrast, out-of-network dentists can charge you the full fee for their services. However, your insurer will only reimburse you at the contracted fee level. In most cases, the patient pays for the balance difference.
Pay Less $$$ Up Front
An in-network dentist will accept the assignment of benefits, which signifies that they will wait for the insurer to pay for the covered costs up to the yearly maximum. In addition, the insurance company will send you a notice describing the portion of the bill you pay your dentist for their services.
Avoid Extra Service Charges
Your insurance company ensures you never have to pay extra charges for services that should be included in the treatment cost. For instance, when you undergo a surgical dental procedure, periodontists cannot:
- Charge additional prescription fees
- The suture removal consultation
- Any emergency follow-up visits
Receive Quality Service You Can Count
In-network dentists are licensed and achieve accepted standards for safety and cleanliness procedures. The insurance company review process is strict and detailed to maintain a high standard. The insurance company treatment payment will also differ, depending on your plan and the dentist you visit. Some dental policies offer a higher coverage level if you choose an in-network dentist, while others provide a higher level of coverage if you constantly visit the dentist.
Most insurance companies provide various benefit plans with different features, so the best way to take complete advantage of your dental insurance coverage is to comprehend its features. You can do this by reading your benefits information before you visit your in-network dentist.
Find the Right Health Insurance Solutions for Your Needs
Malden Solutions has a wealth of expertise in providing employer insurance solutions, HR solutions, and individual insurance solutions to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits but also work within our surrounding communities in Maryland, Northern Virginia, and Washington, D.C. Contact us today to learn more about how we can provide effective, dynamic solutions for your business. Stay connected with us on X, Facebook, and Linkedin