You hear a lot of practices say that they are in-network with certain dental insurance providers, but what does that actually mean? How does it apply to your dentist in Lake in the Hills, Dr. Stirneman?
In-network means that a dental practice has negotiated a contract for discounts on their services with a dental insurance provider. The provider has a multitude of contracts with different practices, and this is what constitutes the network, meaning that if you go to any of those practices, you will receive the same discounts. If you go to a practice that does not have a contract with your provider, this will make them out-of-network, and you will probably not have as much of your care covered.
Dr. Stirneman’s practice, for example, is in-network with the largest providers of dental insurance in Lake in the Hills, which makes it easier for a wider variety of patients to use their insurance to get the care that they need.
An in-network provider can offer a multitude of benefits over an out-of-network one.
Why You Should Go In-Network
In order to become in-network, Dr. Stirneman had to apply to be a care provider with insurance providers. This started a credentialing process. Some of the things the providers looked at were Dr. Stirneman’s credentials, the quality of his staff, and the state of his facility. This means that when you come into All Smiles Dental, you know due diligence has been done, and your quality of care is guaranteed.
Of course, the main reason to visit an in-network provider is that it will be much more affordable. Dental insurance is geared towards standard preventive care. It is mostly intended to help you stop dental issues before they start, rather than help you treat them, which is more of the case with medical insurance. Many plans cover preventive care 100%, or at a very deep discount. Dental cleanings and check-ups are some of the most important services you can get at All Smiles Dental, and your plan will probably pay for it all.
Dental insurance will also pay for a portion of restorative procedures, and this is where your discounts from visiting an in-network dentist can compound. The contract Dr. Stirneman has negotiated with providers means that he will offer his services at a discount, and then many plans will pay for a portion of the service on top of that.
Here’s an example: A dental crown, in total, costs an average of $1,000 in today’s current market. When you visit an in-network dentist, the insurance provider and dentist may have negotiated it to only cost $800. Many plans pay for 50% (or more) of restorative services, meaning the crown will only cost you $400 in the end. This saves people thousands of dollars with each visit.
Our In-Network Plans
Delta Dental: Delta Dental is the largest dental insurance provider in the country, covering over 68 million people, which is more than one-third of all the people with dental insurance. Originally started in California, Washington, and Oregon in 1954, it has grown to be the first place people look to help them get dental care for generations. We are happy to accept all Delta Dental plans.
MetLife: MetLife is one of the largest providers of insurance, with 90 million customers in over 60 countries. Their Dental Preferred Provider Organization (PPO) allows you to choose from a wide variety of dentists and specialists so you can find the practice that works for you. It has been in business since the early 1900’s and continues to help people get dental care to this day.
Aetna: Aetna started as a fire insurance company in the 1810s, and eventually evolved to provide medical, pharmaceutical, and dental care. They provide dental care for 14.3 million people, and work with thousands of health care professionals.
Humana: Based in Louisville, Kentucky, Humana has over 13 million customers in the U.S, and is the third largest health insurance provider in the nation. They have been providing dental insurance for decades, and even founded Humana Military Healthcare Services specifically to help our men and women in the military.
If you have any questions about whether we’re in-network with your plan, or what kinds of discounts you can get, please give us a call today. We’re happy to help you understand your plan so you can get the most out of it.