Choosing a dental practice that’s willing to accept your dental insurance plan can go a long way toward helping you save money on important treatments. However, some dentists may be in-network with your plan while others may be out-of-network. In order to make the best decision for your smile and your wallet, it’s important to make sure that you fully understand the difference between in-network and out-of-network dentists.
In-Network vs. Out-of-Network
An in-network dentist is a dentist who has entered a contractual agreement with your insurance company to charge discounted rates for their services. Meanwhile, an out-of-network dentist may be willing to file claims for your insurance plan, but they will still charge their typical rates.
Bear in mind that your dental insurance plan can either be an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization). With an HMO, you must visit an in-network dentist if you want to take advantage of your benefits. In contrast, a PPO gives you the freedom to visit both in-network and out-of-network providers.
Which Should You Choose: In-Network or Out-of-Network?
Oftentimes, choosing an in-network dental practice is the smarter option for your bank account. Since an in-network dentist will charge less for their services, you can potentially save a significant amount of money. On top of that, your insurance company may offer better benefits if you stay in-network; a common example might be full coverage for preventive checkups and cleanings.
However, there may be circumstances where seeing an out-of-network dentist is the better option for your smile, such as when you need a specific type of specialized treatment. It’s important to fully consider your oral health needs as well as your financial situation before you select a dental practice.
Other Aspects of Your Dental Insurance Plan
There are certain aspects of your insurance plan that can influence the amount you need to pay out of pocket regardless of whether your dentist is in-network or out-of-network. For example, you will likely need to meet your deductible for the year before your insurance company helps pay for any treatments. Furthermore, if you meet or exceed your plan’s annual maximum, you will need to pay the remaining cost of your dental care on your own.
If you want to get the most out of your dental insurance, it’s important to carefully review your plan and make sure that you fully understand your benefits. Remember, you can always talk to the helpful team members at your dentist’s office if you have any insurance-related questions.
About the Author
Dr. Hoa Tran is a skilled dentist whose experience and training allow him to offer a truly comprehensive menu of dental services to patients in Houston. He cares about making dental care as accessible as possible, which is why his practice is in-network with Aetna, Delta Dental, MetLife, and other major dental insurance plans. If you’re looking for a trustworthy dentist, you can schedule an appointment with Dr. Tran at WellSmiles DYNTL at Greenway by visiting his website, using his online booking tool, or calling (713) 437-3902.