We are In-Network with Delta Dental Insurance for Texas Panhandle Residents
If you have Delta Dental Insurance benefits through your employee, we are In-Network offering you a few added benefits and savings. There are not a lot of In-network Delta Dental Insurance Providers and we are proud to offer this benefit.
Co-Pays are less
If you are In-Network with Delta Dental there are typically fewer copay's. Also, Delta Dental pays the Doctor so you do not have to pay upfront then be reimbursed! - You will have to pay your estimated insurance portion, but you dont have to pay the insurances part up front as you would if you went to an out of network provider.
Delta Dental stipulates the rates that we can charge, so you don't have to shop around to know you are getting the best deal.
Slightly Higher Benefit Coverage
In-Network benefits can cover up to 10% more for some services. For example, some In-Network plans cover 50% for major work, where as out of newtork they may only cover 40%.
Dont have Delta Dental? Dont have Dental Insurance?
Dont worry, we still will accept your insurance and file it for you as long as you have a PPO plan. If you dont have dental insurance, dont worry because we keep you in mind, actually 75% of our patients dont have insurance either and we have set our fee schedule with you in mind. Dr. Damon always says our motto is "offering honest treatment plans, at fair prices".
Are all Dental Dental Plans the Same? Does Delta Dental Cover Implants?
Dental Benefits are set by the employer. Just because you have Delta Dental does not mean you have dental implant coverage. We must check and verify benefits for every patient prior to your appointment, this process can take over an hour and this is why it is important to give us your insurance card a few days ahead of time.
Options for getting dental insurance if you don't have an employer that offers these benefits?
Our best recommendation if you are self employed, or don't have dental benefits through your employer is to simply pay cash for going to the dentist. Typically you can save 5-10%, you have the freedom to shop and choose your dental office, and these "Individual" plans are expensive. Some cheaper individual plans do not cover major services, have 1 year waiting periods, or are a fee schedule that may pay $40.00 for a filling, ect.
I typically see no benefit to the patient for "Individual style plans", I see yearly premiums around $1,000 - $1,500 per individual with paying out only $1,000 - $1,500 in benefits. Basically you are giving money to the insurance company, who then decides how to pay out your money, which can end up costing you if the insurance company down grades a service or has a missing tooth clause. There are MAJOR traps in the individual market and my advise is to stay away form it.
If you have delta dental insurance and are looking for an in network provider call us today at 806 803 9219!