Are you a Katy Texas Delta Dental plans policyholder? You’ll be pleased to know that Gentle Dental accepts Delta Dental insurance. In fact, we accept the majority of major private insurance plans, including:
- BlueCross BlueShield
- Dental Network of America
- Dental Select
- …and more dental affiliated companies
Furthermore, we accept Medicaid and CHIP! We also provide dental financing for those who don’t have insurance or whose dental work isn’t fully covered by their insurance company.
With so many options, anyone who doesn’t already have Delta Dental or another insurance policy may not be sure where to start. Below, we explain the basics of dental insurance. After reading, you can make a more informed decision and choose the best dental coverage for your family. Plus, you can be confident that Gentle Dental more than likely accepts whichever plan you choose. Fortunately, dental insurance providers usually let you check online for in-network providers. Double-check to make sure your policy covers Gentle Dental care! We provide the most comprehensive dental services in Katy Texas.
How Does Dental Insurance Work?
Dental insurance is separate from medical insurance. Therefore, even if you have medical insurance, you probably don’t have dental insurance. Furthermore, dental insurance companies typically separate plans and offerings by the type of care they cover. Generally, you have three options:
Preventative Care. A preventative care plan is usually the cheapest. To save the most money, you’ll need to already have nice teeth and plan to stay on top of your dental health and hygiene. Preventative plans cover things such as exams and cleanings. If you need other dental work, you’ll pay more out of pocket than a person with another type of dental plan.
Basic Care. Even with a basic care dental plan, you’ll still be expected to pay at least a portion of the dental bill. Your expected contribution usually ranges from 50% to 80%, depending on the specific plan. However, that’s less than you’d pay for the same services if you had a preventative plan. A basic care plan covers procedures such as extractions and fillings.
Major Care. Major care plans are similar to basic care plans in that you will still have to pay some money out-of-pocket. However, major dental work such as surgery and dentures are usually at least partially covered.
Any dental insurance plan is better than not having one at all. However, keep in mind that most dental insurance plans do not cover cosmetic care, such as teeth whitening. For a full list of our services to help you choose the right insurance plans, click here.
Common Dental Insurance Terms & Definitions
Below are a few of the most common words you’ll hear when talking about insurance plans.
Co-payment: The amount that the person is expected to pay for the dental service. The insurance policy will pay the remaining balance.
Covered: What service or person the insurance policy pays for. Is a service is covered, that means that the insurance policy pays for that service. Services can be fully or partially covered.
Deductible: How much money you must spend annually before the insurance policy starts to pay for services. For example, if your deductible is $1,000 after you spend $1,000 on dental services, your insurance will cover the excess for the rest of the year.
Insured: Any persons covered by the insurance policy. Minors or spouses can be covered with some insurance plans.
Policy: Your insurance. Specifically, the policy is the document that outlines the services covered and terms and conditions of coverage, deductibles, and more.
Policyholder: The person who owns and pays for the insurance plan.
Premium: The amount that you pay, either monthly or yearly, to keep the insurance policy active.
How To Choose The Right Dental Plan For You
There are a few things to consider when choosing the best dental plan for you or your family.
Who’s Covered? Do you want a dental plan just for yourself, or do you want a family dental plan? If you have a family, make sure the insurance policy you’re interested in also covers your children or spouse. You can save a lot of money by covering your entire family with one policy, instead of having separate policies.
What Kind of Plan? You must decide between preventative, basic, and major care plans before you start to search for specific policies. Consider your current dental health. If you have good dental hygiene and commit to regular dental check-ups, a preventative plan may be good enough for you. On the other hand, families with smaller children or several family members may want to opt for a major care plan. In those cases, you never know what could happen, from cavities to bike falls. It’s usually always better to be safe.
How Much Does It Cost? You have many dental insurance options to choose from. You are sure to find an insurance policy that fits your budget. Typically, lower-priced insurance policies have higher deductibles and co-payments. If you have emergency savings and a stable income, you might want to consider a lower-priced, higher-deductible policy.
Regardless of which plan you choose, think of a dental insurance plan as a partnership. There’s no dental procedure that you can’t get. There’s only what your insurance policy will or won’t help you pay for. Plus, Gentle Dental offers dental financing. You can schedule an appointment with us even if your policy doesn’t cover the procedure.
We Accept Katy Texas Delta Dental and More!
Gentle Dental offers complete, comprehensive dental service to families in Houston and surrounding areas. To match our full range of services, we accept almost any insurance plan and provide a financing option. Our dental offices have bilingual staff with years of experience. No matter which policy you choose, Gentle Dental is here to offer affordable dental care for your entire family. We cover all dental needs, including preventative care, emergency care, and wisdom teeth extraction. Call us today at (281) 398-6006 or set an appointment online. Whether you’re a Katy Texas Delta Dental, Medicaid, or uninsured family, we’ve got you covered!
Fun Facts About Katy Texas
- Katy residents and visitors regularly have campouts and movie nights at VFW Park.
- Katy, the rice capital of the world, has a rice festival every year.
- Geese once flew to Katy every year during migration.
- Learn more about Katy here!