Dental Insurance – Sycamore, IL

How Dental Insurance Works

Dental insurance in Sycamore primarily covers all or part of the cost of preventive or restorative treatment. Preventive services, such as dental checkups and cleanings, help reduce the risk of cavities, tooth decay, gum disease, infection, and damage. These visits are typically covered at 100% by most companies.

However, if you have a cavity or broken tooth that needs restorative treatment, you can expect your dental insurance to cover a portion of the total cost. Dental fillings, dental crowns, tooth extractions, root canals, and other similar services can be covered at 50-80%.

Cosmetic dentistry is rarely covered by dental insurance; however, there are a few exceptions (i.e., a metal-free restoration is required to address a severely decayed tooth).

What is the Difference Between Dental and Medical Insurance?

It might seem as if dental and medical insurance should be under the same overarching umbrella but they’re not. They are vastly different in how they work. For example, medical insurance is best used after a problem occurs. If you need to be hospitalized or require surgical intervention, your plan will offer greater coverage than if you were to schedule an annual wellness visit.

Dental insurance, on the other hand, rewards patients for seeking preventive care. By offering to pay 100% of the total cost of these visits, you avoid out-of-pocket costs and the need for more extensive restorative dental treatment.

In-Network vs. Out-of-Network

Knowing the difference between an in-network dentist in Sycamore and an out-of-network dentist can mean saving or spending a lot of money. At Prairie View Dental, we are pleased to be in-network with a host of dental insurance plans to help you save.

In-Network

As an in-network dentist for the following plans, you can trust that your estimated cost will remain significantly lower because of the contractual agreement we have with these companies:

• Delta Dental
• Cigna
• BCBS of Illinois
• Careington
• Principal
• UnitedHealthcare
• Sun Life Financial
• And many more!

Out-of-Network

You can choose an out-of-network dentist. If you are enrolled in another dental insurance plan – one we are not in-network with – you can trust that we will still file claims on your behalf and help you get the lowest price for the services you receive.