If you have Delta Dental insurance, you have a great tool to help keep your smile healthy and your budget happy. But understanding the details of your plan can sometimes feel like learning a new language. At Hillside Dental, we believe in making dental care simple and stress-free. That’s why we’re proud to be an in-network partner with Delta Dental.
This guide is your go-to resource for understanding how your benefits work with us. We’ll break down the essentials so you can feel confident and informed every time you visit.
What “In-Network” Means for You
When a dental office is “in-network” with Delta Dental, it means we have a direct partnership. We’ve agreed to specific rates for covered services, from cleanings to crowns. For you, this partnership offers significant advantages:
- Lower Costs: Your out-of-pocket expenses are typically lower because you’re receiving care at pre-negotiated, discounted rates.
- Simple Billing: Our team files and manages your insurance claims for you. You don’t have to worry about paperwork or follow-ups.
- Clarity and Confidence: We can provide a clear estimate of what your plan is expected to cover, so you know what to expect financially before treatment begins.
Understanding Your Delta Dental Plan
While every plan is slightly different, most share a common structure. Getting familiar with these terms will help you understand your coverage.
- Preventive Care: This is the foundation of good oral health. It usually includes services like exams, cleanings, and routine X-rays. Many Delta Dental plans cover preventive care at a high percentage.
- Basic vs. Major Services: Treatments fall into different categories. “Basic” services often include things like fillings, while “Major” services cover more complex procedures such as crowns, bridges, or root canals. Your plan pays a certain percentage for each.
- Deductible: This is a fixed amount you may need to pay for certain services before your insurance plan starts to contribute. Many plans waive the deductible for preventive care.
- Copay & Coinsurance: A copay is a fixed fee you pay for a service. Coinsurance is the percentage of the cost you are responsible for after your deductible is met.
- Annual Maximum: This is the total dollar amount your Delta Dental plan will pay for your care within your plan year.
How Hillside Dental Helps You Navigate
You don’t need to be an insurance expert—that’s what our team is here for! We help you make the most of your benefits by:
- Verifying Your Coverage: We’ll contact Delta Dental to confirm your eligibility and review your specific benefits.
- Providing Transparent Estimates: Before any procedure, we’ll give you a detailed treatment plan that breaks down costs.
- Handling Preauthorizations: For some major treatments, Delta Dental may require a “preauthorization.” We handle this process to confirm coverage ahead of time.
A Quick Note on Out-of-Network Care
You can still use your Delta Dental benefits at an out-of-network dentist, but your costs will likely be higher. You might also have to pay the full fee upfront and submit the claim yourself for reimbursement.
Tips for Delta Dental Members
To ensure a smooth experience every time you visit, here are a few simple tips:
- Bring Your ID Card: Always have your most current Delta Dental ID card with you at your appointment.
- Keep Your Information Updated: If your personal information or insurance plan changes, let our front office know.
- Coordinate Your Benefits: If you have coverage from more than one insurance plan, let us know so we can help coordinate them properly.
Ready for Your Next Visit?
At Hillside Dental, we’re committed to providing exceptional care that’s easy to access and understand. We’re here to be your partner in health and help you use your Delta Dental benefits with confidence.
Ready to schedule your next appointment? Our friendly team is here to help.