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Dental Insurance – Humble, TX

Insurance Cuts the Cost of Dental Care

Patient looking to use dental insurance in Humble, TX

Do you have dental insurance in Humble? Your policy is a precious resource that can help you maintain your smile’s health. It is also there to serve as a financial fallback if your teeth ever need a little restorative TLC. You should certainly use your insurance to the full! But how can you get the most out of it? The team at Progressive Dental Group is ready to help you understand and navigate your coverage with a view to making your dental care experience as easy and affordable as possible.

How Dental Insurance Works

Happy patient using dental benefits at preventive appointment

Every dental insurance policy is unique, so you will have to check the details of your specific policy to see how it works. However, we can give you a general overview of how PPO plans typically operate:

  • Preventive care: 100% covered. Most plans allow you to attend two cleanings and checkups each year without paying anything out of pocket.
  • Minor services: 70% - 80% covered. Minor services typically include things like fillings and non-surgical extractions.
  • Major services: 50% covered. Crowns, dentures, and root canal therapy often fall into the category of major services.

Many plans enforce a waiting period of 6 – 12 months before they cover anything other than preventive care. Deductibles and annual maximums are also common parts of PPO insurance policies.

What Is the Difference Between Dental & Medical Insurance?

Dental insurance has a heavy focus on prevention, and it applies exclusively to treatments that have a direct bearing on oral health. Medical insurance is broader in scope. In rare cases, it applies to dental procedures. For example, it might cover dental implant surgery or emergency treatment for oral trauma. You will need to examine the details of both your medical and dental policies to discover if there is any overlap between them.

In-Network vs. Out of Network

Patient filling out forms at dental reception desk

Whether or not we are in your insurance plan’s network, we want to help you benefit as fully as possible from your benefits.

In-Network Coverage

If a dentist in Humble is in-network with an insurance plan, it means that they have a contract with the insurance company. The contract keeps costs to a minimum for both patients and the insurer. At Progressive Dental Group, we help our patients save money by offering in-network savings for a long list of plans, including those from:

  • Aetna
  • Ameritas
  • Assurant
  • BlueCross BlueShield
  • Cigna
  • Connection Dental
  • Delta Dental
  • Dentegra
  • Dental Network of America
  • Dental Health Alliance
  • Dentemax
  • Humana
  • MetLife
  • Principal Life
  • Unicare
  • United Concordia
  • United Health Care
  • Guardian

Out of Network

PPO insurance plans allow you to use your benefits at any dental practice, regardless of network status. Therefore, even if your policy comes from a company other than Aetna, Delta Dental, Cigna, or any of the other companies that we are in-network with, our team may still be able to help you leverage your benefits. Simply give us your policy information when you call to request an appointment, and we will let you know how we can assist you in making the most out of your coverage.