Blog

Denver Delta Dental Insurance Premiere Provider

Delta Dental Insurance is one of the many different insurance companies employers in the area subscribe to. Dental insurance by its very nature is not meant to cover all necessary treatment but only a portion. In the “traditional” plans there is usually some type of co:pay (0-50%) and yearly maximum.  Either way our Denver Dentists feels you should take advantage of these discounts to make  dentistry more affordable for you.  Dr. James DeLapp and Dr. H. Candace DeLapp provide general and cosmetic dental services for their patients in the Highlands Ranch, Lone Tree, Castle Pine, Castle Rock, Parker, Centennial and Denver areas.

Our office is a Delta Dental “Premiere Provider” only

Our office participates in the Premiere program provided by Delta Dental of Colorado. Delta has many other plans available for purchase by your employeer. Some plans still allow you to choose a dentist of your choice.  Delta’s EPO plan will provide no reimbursement what-so-ever unless you see a very limited number of dentist.

Yearly maximums

Denver Delta Dental and many other insurance carriers usually have a yearly maximum of benefit.  Typically this runs between $1000-$1500.00 although we have seen “rarely” more or less.  The key may be how the insurance company defines the amount and when the year ends and begins.

• Calender year… January to January (the simplest)
• Fiscal year… June to June as an example

Waiting period for dental insurance coverage

There may be a waiting period before your benefits become active.  This could be as short as… no waiting period up to a year.  In addition other waiting period may apply for major dental procedures like dental crowns.  As an example your insurance plan may cover a dental cleaning but  you may have to wait a year to have a dental crown covered.

Dental Insurance Co:pay

Most dental plans have some type of co:pay for certain procedures typically this ranges from 20–50% of an “arbitrary” fee the insurance company designates.  This may or may not correspond to what the dentist charges.  As an example if your insurance may set the fee for a dental crown at $1000.00 but your dentist charges $1200 then your 50% reimbursement would be $500 instead of $600. Your out of pocket expense would be $700.  It is just dependent upon how the “contract” is written. Other companies and contracts may pay a simple 50%. Our office just  does not know how the contract is written on the amounts they choose to cover.

Yearly deductible

In addition insurance company may have a yearly deductible for dental procedures.  It may apply to any dental treatment or… just to major dental procedures.  It all depends upon how the contract is written.  From the above example if you subtract a $50.00 yearly deductible from the above… the dental insurance company would pay only $450 and you would pay $750.  Bottom line is it can get complicated quickly.

All dental plans are different

All dental insurance plans are different. Even within one carrier the percentages covered can vary. Remember it is what is written in the contract. Many if not most dental insurance plans cover the following (remember NOT all)

• !00% of exams… x-rays … or cleanings
• 20% of dental fillings
• 50% of major dental work… dental crowns e.g.

The good news

The percentages may not work out exactly but in the end…. it is a sale on dentistry.  It could be 100% of the fee or 30% either way it is a benefit to you.

Call today and schedule an appointment at (303) 694-9740

Thanks to Matt and Scott of US Web Central for their help and can be reached by clicking on the following link Denver SEO