Our team at John E. Russo, DMD Family and Cosmetic Dentistry, our team is here to help make taking care of your smile affordable and hassle-free. Our financial coordinator and front desk associates file claims day in and day out, allowing them to build a vast knowledge about how specific dental insurance plans work and what patients can expect from their benefits. That’s why, if you have a questions about your coverage, we’re happy to help you navigate it so you can get the most out of your investment in insurance.
Dental insurance primarily focuses on prevention over treating issues as they arise. That way, you don’t run the risk of permanently losing a tooth over something as small as an untreated cavity that eventually progresses into a tooth infection. To help understand your benefits better, you’ll need to know these three basic terms:
Most dental insurance plans determine coverage based on a 100-80-50 structure. What this means is that they cover 100 percent of the cost of preventive care, like checkups and cleanings, 80 percent of basic treatments like cavity fillings, and 50 percent of more serious procedures, like tooth extractions. However, every plan is different, so it’s important to call your insurance company to double-check about your coverage before you schedule a treatment.
We’re proud to be an in-network provider with several dental insurance companies. This means that we’ve negotiated discounted fees and rates with them to be able to pass on savings to patients who stay in-network. Our team is also happy to file claims on behalf of patients who have PPO plans as well. We always try to maximize your benefits to the best of our abilities to make each of your treatments and appointments as affordable as possible.