At Dentistry by Design, we often hear this question from both current and prospective patients:
How much can I save by going to a dentist who is 'in-network' with my dental insurance versus one who is 'out-of-network'?
This is an important consideration when planning for dental care, so let’s break it down.
In-Network Savings: How It Works
When a dentist is "in-network," it means they have an agreement with dental insurance companies to charge specific fees for their services, known as insurance fees. These fees are typically much lower than the standard fees you’d pay if the dentist were "out-of-network."
What Does This Mean for You?
Dental insurance often covers between 50% and 80% of the insurance fee for services provided by in-network dentists. This can significantly reduce your out-of-pocket expenses. On the other hand, out-of-network dentists usually charge higher fees, meaning you’ll be responsible for a larger portion of the bill.
For example, let's compare the costs for a common procedure—getting a crown:
- Crown at an Out-of-Network Dentist:
- Fee for service: $1600
- Insurance coverage (50% of the insurance fee): $600
- Your out-of-pocket cost: $1000
- Crown at an In-Network Dentist:
- Insurance fee: $1200
- Insurance coverage (50% of the insurance fee): $600
- Your out-of-pocket cost: $600
By choosing an in-network dentist, you could save $400 on a single crown!
Maximize Your Dental Benefits
At Dentistry by Design, we’re committed to providing high-quality care while helping you make the most of your dental insurance benefits. We’re in-network with several major insurance providers, ensuring that you receive the best care at the most affordable rates.
If you have questions about your insurance coverage or want to explore your options, give us a call! We’re here to help you navigate your dental care needs with confidence and clarity.
