Dental Insurance – Houston, TX
Maximize Your Coverage, Optimize Your Oral Health
At Muse Dental Studio, we recognize that our patients want to get the greatest bang for their buck. That is why we are happy to accept payment from a broad range of dental insurance plans. Not only can your policy help you to keep up with necessary preventive care, but it can also provide a financial safety net if your smile ever needs some restorative treatment. Our team will be delighted to help you maximize your dental insurance coverage so you can enjoy the top-quality service we provide without thinking too much about the cost of treatment.
Insurances We Accept
There are many different companies that sell dental insurance, and they may provide a wide variety of plans to suit the needs and budgets of different types of clients. All of the insurance lingo in your policy may leave you feeling a little confused, but our team is here to help you navigate all of its nitty gritty details.
We are happy to accept payment from virtually any insurance company. Examples of the insurance providers we work with include:
- BlueCross BlueShield
- Delta Dental
- Mutual of Omaha
- Principal Financial Group
- United Health Care
How Dental Insurance Works
Would you like to get a quick overview of how dental insurance works? As we noted above, every policy is a little different. In general, however, many insurance plans work something like this:
- Preventive care (routine cleanings, exams, and X-rays): 100% covered
- Minor restorative services (fillings, etc.): 70 – 80% covered
- Major restorative services (crowns, dentures, etc.): 50% covered
Your policy may have a waiting period before you are eligible to receive certain services. It also likely has an annual maximum, which is the highest dollar amount that your insurance company is willing to pay out for approved services within a calendar year.
In-Network vs. Out of Network
If a dentist is in-network with your insurance plan, it means that they have a contract between them that controls pricing. It ensures that patients and the insurance provider can save money. If a dentist is out of network, you may still be able to use your insurance with them (this is especially true of PPO plans). However, out of pocket costs can vary significantly between in-network and out of network care providers.
Regardless of whether or not we are in your plan’s network, we will be happy to verify your coverage and help you use it to the full. You can rely on us to be upfront about pricing and provide you with honest, exceptional service every step of the way.
When Insurance Doesn’t Cover a Treatment
If your insurance does not cover a particular treatment, or you will still have a significant bill even after your insurance company accepts your claim, we will be happy to help you apply for financing through the Health Advantage card. It has a reasonable everyday APR, and promotional plans can help you to save even more on interest.
Would you like to learn more about dental insurance and how we can help you maximize your coverage? Contact Muse Dental Studio today.