Dental Insurance – Midland, TX
Making Your Child’s Dental Care Easy & Affordable
At Midland Kid’s Dentist, your
child’s smile is our priority. To ensure optimal oral health as they grow older, we offer preventive services to
minimize cavities, tooth decay, gum disease, and other similar issues. However, we know these as well as restorative
dental services can be costly, which is why we are pleased to welcome your dental insurance in Midland. With a team
of highly qualified professionals who can help you navigate the specifics of your plan, we will work to help you
save each time your child needs an appointment.
How Dental Insurance Works
Dental insurance is designed to minimize out-of-pocket expenses when visiting the dentist’s office. Providing coverage for preventive and restorative dentistry, you can expect to pay less when your little one needs to come in for treatment. Whether it is a dental checkup and cleaning, dental sealants, fluoride treatment, a filling, or a custom crown they need, your insurance will pay more for these services once you meet your deductible, allowing you to keep more money in your pocket in the long run.
What is the Difference Between Dental and Medical Insurance?
It might seem odd to have medical and dental insurance split up, but once you understand how they work, you’ll see why you need two separate plans.
Medical insurance approaches care more reactively. While you may receive some form of coverage for wellness visits, your greatest savings come with hospitalizations, diagnostic testing, and other more invasive procedures and appointments. It is most commonly used after something serious happens.
Dental insurance, however, is different. It takes a more proactive approach, giving patients greater savings on preventive services (100% in many cases). When a problem occurs, though, you can still expect coverage, but it will be less (usually between 50-80%).
In-Network vs. Out-of-Network
As you review your plan, you will notice there are two different price breakdowns – in-network and out-of-network. Here is a brief explanation of both.
In-Network Coverage
Choosing an in-network dentist like Midland Kid’s Dentist allows you to save more on the various services your child needs. These benefits are usually broken down into a 100-80-50 structure, which means 100% for preventive care, 80% for minor restorative care, and 50% for major restorative care.
We are pleased to be in-network with many dental insurance companies, such as:
- Cigna Advantage PPO
- Delta Dental PPO
- Delta Dental Premier PPO
- MCNA Medicaid
- Dentaquest Medicaid
Out of Network
If you choose to see someone who is out of network, though, don’t fear that you will sacrifice quality. If we are not in-network with your provider, you can expect that your child will receive the same great service, but you will likely pay more out of pocket for the services they receive. Our team will do our best to help you save and file any claims so that you get the maximum reimbursement from your insurance company.