Dental Insurance Bloomfield
A Healthy Smile Can Be Affordable!
If you have a dental insurance policy, you can view it as a real asset. Whether you have it as a benefit from your employer, or you purchased it independently, it can provide valuable assistance that makes it easier to afford a healthy smile. Here at Family Dental Practice of Bloomfield, our team is eager to help you maximize your benefits. We are in-network with many popular plans, and we can assist you with the entire process of using your insurance.
How Dental Insurance Works
Every dental insurance plan is unique, coming with its own set of details, stipulations, and fees. You should take a look at your policy documents to find out more about how it works. In the meantime, here is a general overview of the benefits that are standard among many PPO plans:
- Preventive care is often 100% covered.
- Minor services may be 80% covered.
- Major services may be 50% covered.
- Coverage for things like orthodontia, dental implants, and other specialty services may or may not be available. In some cases, they are up to 50% covered.
What Is the Difference Between Dental & Medical Insurance?
The biggest difference between dental and medical insurance is their area of focus. Medical insurance is all about head-to-toe general health. It applies to things like physicals, management of chronic diseases, and emergency care. It does not usually cover routine dental services. Dental insurance, on the other hand, does cover basic oral health services, including cleanings, exams, and more.
In certain cases, there is a degree of crossover between the two types of insurance. For example, they might both apply to some types of oral surgery.
In-Network vs. Out-of-Network
Whether our practice is inside your insurance network or outside of it, we invite you to visit us. We will do all we can to help you take full advantage of your benefits.
In-Network Coverage
If we are in-network with your insurance, it means we have a contract with them that regulates prices and encourages certain standards of care. Often, out-of-pocket fees are lowest at in-network practices. At Family Dental Practice of Bloomfield, we are proud to be in-network with:
- Delta Dental of New Jersey
- Anthem BlueCross BlueShield
- MetLife
- Cigna
- United Healthcare
- Aetna
- Guardian
- Sun Life
- United Concordia
- Assurant
- And more — simply ask us if you do not see your insurance company listed here.
Out-of-Network
If you have a PPO dental insurance plan, you are free to visit virtually any practice. Therefore, even if we are not in your network, we encourage you to find out how your benefits may apply here. You might be pleasantly surprised! Plus, remember that the most important thing is to choose a dental team who is truly worthy of your trust.