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Dental Insurance – Farmington, CT

Making Dentistry More Affordable

A person using a pen to fill out information concerning dental insurance in Farmington

At Farmington Valley Dental, Dr. Peters and his team are pleased to offer a wide array of high-quality, affordable dental services. Believing no one should have to forgo necessary treatment because of price, we are in-network with multiple dental insurance companies and will always work to help you save the most money, no matter what type of treatment you are receiving. To help you stay within your budget, we will work with you to better understand your plan and its benefits, and how to maximize your policy, so you can get the most out of your coverage. Below you will find some basic information about dental insurance to help you become more informed on the topic. As always, if you need additional assistance, please don’t hesitate to contact us.

How Dental Insurance Works

A table with blocks on it that read “Dental Plan”

If you have health insurance or car insurance, you can expect your dental insurance to work the same way. Each month, you agree to pay a monthly premium, which gives you access to your full array of benefits. While most insurance companies design their plans based on individuals needing help to address a problem or emergency (i.e. broken bone, car accident, etc.), dental insurance focuses more on the benefits of preventive care. This way, you will work to minimize risks and lessen your chances of developing more serious and costly problems in the future.

What is the Different Between Dental and Medical Insurance?

A person pointing at a screen with a digital image apperaing showing the words “Dental Insurance” and a tooth inside a shield

Though it may seem odd that certain procedures would fall under medical insurance instead of dental, these are only a few. There is a vast difference between medical and dental insurance.

As mentioned previously, dental insurance is focused more on preventive care. You will find that most companies will agree to cover 80-100% of all preventive services. These can include dental checkups and cleanings, dental X-Rays, dental sealants, fluoride treatment, and more. This is to encourage patients to stay on top of their six-month checkups and avoid more serious problems down the road, as they are often more expensive and complex and will require your dental insurance company to pay more of the bill.

Medical insurance on the other hand is designed to help individuals once an accident or problem occurs. Whether it is a broken leg, heart attack, or emergency room visit, the level of coverage is far different. While you may have some help with regular wellness visits, most people do not regularly see their general practitioner for an annual checkup.

In-Network vs. Out of Network

A person sitting at their laptop with the words “Dental” across the screen and glasses, a phone, notebook, pencils, and a cup of coffee nearby

Part of the breakdown of your plan includes costs for seeing an in-network dentist versus one who is out of network. What does this mean? We’ll explain:

In-Network Coverage

By choosing Dr. Thomas, who is in-network with various insurance companies, we pre-negotiate all fees and services to ensure you pay the lowest price for the care you receive in our office. We accept all types of insurance and will be glad to fill out insurance forms as a service to you. We are participating dentists with Anthem Blue Cross/Blue Shield; with Delta Dental of New Jersey and USA accounts; and with Met Life.

Out of Network

While you are more than welcome to see our team even if we are out of network with your dental insurance company, it is likely that you will pay more for the services you receive. However, our team will go above and beyond to review your policy and find ways to help you save the most money during your visit. We’ll even be happy to file any necessary claims and paperwork on your behalf.