Do you know the difference between visiting in-network dentists versus out-of-network ones? The insurance system in the US is complicated, and not understanding your options can keep you from making the most of your coverage. As the end of the year approaches, now is the time to use up your benefits or risk losing them! Continue reading to see what these terms mean, how they impact your costs, and why taking advantage of in-network savings before your plan renews can benefit you.
What Are In-Network Dentists?
When a dentist is “in-network,” it means they have a contract with your dental insurance provider to offer services at predetermined rates. This generally translates to lower prices than what you’d pay out-of-pocket because insurance companies negotiate discounts with in-network providers.
Why Would You Use an Out-of-Network Dentist?
An “out-of-network” dentist won’t have a contract with your insurance provider, so they set their own rates for their services. While you may still get some kind of reimbursement from your insurance plan, it’s usually at a lower percentage. This often means you’ll pay more out-of-pocket for each visit.
Even if you’ll need to pay more for treatment, working with an out-of-network dentist still has some benefits. For example, you can choose your dentist based on personal preference instead of being limited by a small pool due to coverage status. This can make all the difference for patients who have formed a relationship with their favorite dentist who may not be in-network if their insurance changes.
Why Now Is the Time to Use Your Benefits
Regardless of the status of your dentist, it’s best to make an appointment now that the year is drawing to a close. This is because most dental insurance plans work on an annual schedule. If you wait until after the first of the year, your unused benefits will disappear. In fact, dental insurance holders in the US leave over 100 billion dollars in unused benefits behind every year, enriching their insurance companies.
Understanding the differences between in-network and out-of-network coverage can make a big difference in your dental costs and overall experience. If saving money on dental care is a priority, choosing an in-network provider and maximizing your benefits before the year ends can help you achieve that goal. So, call your dentist today and make a plan to use it up before you lose it!
About the Practice
At Windermere Dentistry, Dr. Matthew McKissock and Dr. Rupal Thakkar are your experienced and knowledgeable dental experts! We’re proud to be in-network with Delta Dental and pleased to offer CareCredit to help you make the most of your money. Whatever your dental needs, our team will be glad to guide you through your policy, explore your benefits, and ensure you get affordable care. Call (407) 258-1330 to schedule an appointment with us or visit our website to explore a full menu of services.
