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Key Terms to Understand

Animation of dental insurance claims process

Knowing what these terms mean will help you quickly decipher your dental coverage:

  • Preventive: This refers to treatments like checkups, cleanings, X-rays, dental sealants, and fluoride treatments.
  • Basic Restorative: This covers services like bonding and fillings.
  • Advanced Restorative: Crowns, bridges, dentures, extractions, and root canal therapy are all considered advanced restorative treatments.
  • Cosmetic: Typically this means treatments like teeth whitening, porcelain veneers, and direct bonding.
  • Annual Maximum: The highest dollar amount a plan will pay for care in a given year. Typically, this amount resets either at the beginning of the calendar year or 12 months after someone began the policy.

How to Get the Most Out of Your Plan

Dental insurance forms on tablet computer

Every dental insurance plan is unique from provider to provider, but most offer coverage that looks something like this:

  • Preventive care is covered 80-100%
  • Basic Restorative is covered 50-70%
  • Advanced Restorative is covered 20-50%
  • Cosmetic services are usually NOT covered

For the majority of people, it’s best to use insurance to primarily pay for preventive services. By taking this approach, you’ll receive the most savings possible, plus getting regular checkups and cleanings will dramatically lower your chances of needing more advanced treatments that have less coverage.

We Offer In-Network Savings & Welcome Out-of-Network Plans

Dental insurance forms on clipboard

Westcliff Family Dentistry is an in-network provider with all PPO dental insurance plans, which means we’re able to offer patients the highest discounts possible. However, if you do not have a PPO plan, we can still likely use it to help you save. Just give our office a call so we can go over your benefits. You’ll probably be pleasantly surprised by the discounts we can offer!

We are in-network with the following insurances:

  • Aetna
  • Careington
  • Ameriplan Red
  • Ameitas
  • Assurant
  • Avesis
  • BCBS (Dental Network of America)
  • BCBS Fed
  • Cigna
  • Cigna Healthsprings
  • GEHA/Connection Dental
  • Delta Dental PPO/Premier
  • DentaQuest
  • DenteMax
  • Guardian
  • Humana/Humana Fed
  • MCNA
  • Medicaid
  • Metlife
  • United Healthcare
  • United Concordia
  • Unum
  • Tricare (Military Retiree)
  • Renaissance