Dental Insurance – Las Vegas, NV

Put Your Dental Insurance Benefits to Good Use

Your team at Rose Cosmetic & Family Dentistry knows that it’s not always easy to afford the care you need. That’s why we gladly file claims for any and all PPO plans, and are proudly in-network with Delta Dental Premier and Aetna. When you use your dental insurance benefits at our office, we’ll help make sure you get the most out of your premium and save as much money as possible. Let us know if you have any questions about your dental insurance plan!

How Dental Insurance Works

Magnifying glass inspecting an increasingly taller stack of coins

Like most other types of insurance, dental insurance provides a certain amount of coverage for dental treatments. In exchange, you’ll pay a monthly premium. Now, how much coverage you receive and how much you’ll pay every month depends on your specific plan. Even PPO plans under the same provider can have different terms. It’s also important to know:

  • Your benefits will reset on January 1st and do not roll over from the previous year. If you don’t use your coverage, you could end up essentially leaving money on the table.
  • Your deductible. This number represents the amount of money you have to spend out-of-pocket before your coverage will “kick in.”
  • Your annual maximum. In contrast, this number tells you how much money your dental insurance is willing to cover in a given year.

What Is the Difference Between Dental & Medical Insurance?

In a nutshell? Medical insurance typically covers “big-ticket” treatments when disaster strikes. Dental insurance, on the other hand, prioritizes preventive care. This means services like checkups and cleanings actually receive the most coverage. Many plans, for example, are structured like this:

  • 100% of checkup and cleaning costs, as well as X-rays and diagnostics, are covered
  • 80% of minor restorative costs are covered
  • 50% of minor restorative costs are covered

In-Network VS. Out-of-Network

Rolled up wad of bills facing off against chess pieces on a chess board

If you have a PPO plan, you’ll likely see the terms “in-network” and “out-of-network.” This is more or less a way for your dental insurance to categorize dental offices into two categories: ones that are willing to negotiate with them on prices and ones that aren’t. Here’s what each means for you:

In-Network Coverage

If you’re insured by Delta Dental Premier or Aetna, you’ll see that Rose Cosmetic & Family Dentistry is an in-network provider. You’ll be able to apply the most coverage possible with your plan when you receive treatment at our office.

Out-of-Network Coverage

Being “out-of-network” might mean that you won’t save as much money as someone who is in-network. However, you’ll still be able to apply some coverage to your treatment costs. Many out-of-network patients are able to receive comparable rates with our office, so it’s worth contacting our team to confirm what benefits you’ll be eligible for.