There are many options when it comes to dental insurance and we are here to help. Many dental insurances have a cap that limits your spending for the year, which ranges from $500 - $2000 usually. There are also many types of insurances that you can get, including traditional, PPO, and HMO.
- Traditional insurances allow you to see any dentist that you want, and you will usually pay 0%-50% of the normal fee for a service and the insurance company will cover the rest. Cleanings (not deep cleanings which you need if you have periodontal disease), x-rays, and other preventive services are usually fully covered by the insurance company.
- PPO insurance (preferred provider organization). Depending on your type of PPO you can see an out-of-network or an in-network dentist. The PPO insurance has agreements set up with the "In-Network" dentists where the dentist has to follow a set fee schedule (usually lower than the regular fee schedule). If you see a dentist that is Out-of-Network then you will have to pay the difference between the insurance's fee schedule and the dentist's fee schedule. PPO insurances also don't usually cover services fully, but you will have to pay a 20%-50% copay (In or Out-of-network). Mortimer Family Dentistry participates with three PPO insurances - Delta Dental, Cigna, and Principal.
- HMO insurances (Health Maintenance Organizations) are a more strict form of a PPO. They usually only cover services if you see a dentist that participates with the program and they have a set fee schedule that is greatly reduced (some have other financial arrangements with the dentist where there is no fee schedule, but a monthly payment for patients they are seeing). You usually have limited dedectibles and copayments, but also are limited on choices of treatment due to what your insurance will cover. Mortimer Family Dentistry does not participate with any HMO's.
If you have any questions about insurance options or what your insurance will cover at Mortimer Family Dentistry, feel free to call and talk to our "Insurance Specialist". 810-743-5131.