Dental Insurance – Lincoln, NE
Helping You Cut Costs On Dental Treatments
When you have dental insurance, it’s possible to pay for treatments at rates that are truly affordable. Getting a dental plan from your employer ensures that you’ll have access to the preventive treatments that you need, whether they be basic cleanings or detailed examinations. Thankfully, preventive care is one of the most effective solutions to avoiding future oral health complications and higher costs. Dr. Olberding’s team is more than prepared to help you understand your coverage and handle your insurance with great care, so don’t hesitate to schedule your very first appointment!
How Dental Insurance Works
In a nutshell, dental insurance covers treatments based on what category it falls into. This includes preventive, minor restorative care, and major restorative care, all of which have their own ranges of coverage. While every dental plan has its own unique characteristics, most insurance plans look relatively the same. Below, you’ll find the most common breakdown of your coverage; just make sure to review your plan in detail as well!
Preventive Care – Typically refers to exams, cleanings and basic X-rays. Treatments of this nature are generally covered close to or at 100 percent.
Minor Restorative Care – Whether it’s for tooth-colored fillings or root canal therapy, minor restorative care is generally covered between 70 and 80 percent.
Major Restorative Care – Covers dental crowns, bridges, and dentures. Generally covers close to 50 percent of your costs.
Medical Insurance vs. Dental Insurance
When we talk about dental insurance, we’re not talking about medical insurance because they are generally meant to serve two different purposes. For example, medical insurance is meant to address issues that are seen as emergencies or more serious ailments. Dental insurance is meant to be used on a regular basis. That’s why preventive treatments, like cleanings, exams, and X-rays, are usually covered almost entirely by insurance.
In-Network vs. Out-of-Network
Whether your insurance plan is in-network or out-of-network with our dental office, we’ll do everything we can to help you understand the cost of your treatment before we begin as well as help you claim their benefits.
To summarize, being in-network simply means that our dental office has chosen to work within a dental insurance company’s specific rates. These rates are generally less than what you would pay if you were out-of-network, but this is not always the case. Olberding Dental is in-network with the following plans:
Being out-of-network may mean you aren’t able to access the same rates that our dental office has agreed to, it doesn’t mean that you should write-off practices that you’re out-of-network with automatically. In many cases, you can still enjoy many of the same benefits. We do our best to provide treatments that carry comparable costs to patients with in-network insurance.