When it comes to dental insurance and financing, things can get confusing (or downright overwhelming) fast. Since coverages vary widely from plan to plan, figuring out what’s covered, what’s not, and what to expect isn’t always easy to decode.
Our team at Kansas Family Dental near Lenexa has extensive experience with insurance plans, from Cigna to United Healthcare to Delta. Dentist visits just got a whole lot simpler—no matter your coverage, we can answer any questions you might have.
To help you feel prepared even before your visit, we’ve put together some answers to our most asked questions in this guide, including:
What’s the difference between a copay, deductible, and coinsurance?
Understanding these terms helps make insurance less of a puzzle.
Here’s a quick breakdown of what they mean:
- Copay: The copay is the set amount you pay at your visit. For example, you might have a $20 copay for a routine check-up.
- Deductible: The deductible refers to the amount you pay out-of-pocket every year before your insurance starts contributing. After you’ve paid that set amount, insurance kicks in to pay the rest.
- Coinsurance: Coinsurance is a percentage you pay after you’ve met your deductible. So if you’ve met your deductible, you might continue to pay a percent of the cost along with insurance.
If you have any more questions, we’re happy to walk you through how these apply to your specific situation at your appointment.
What does my insurance cover?
The truth is: it depends on your plan.
Every insurance policy has different rules, some plans cover preventative visits in full while others require a copay, and others apply everything to your deductible first.
As a Delta dentist and Met Life dentist near Lenexa, insurance plans like these typically cover:
- 80 to 100% of preventive services such as cleanings, exams, and X-rays.
- 70 to 80% of basic procedures like fillings.
- 50% of major services such as crowns, bridges, and dentures.
Every insurance plan is a little different, but our team is great at helping patients understand what to expect.
Prior to your visit, we can verify your benefits and provide an estimate based on the information available from your insurance carrier.
Our goal? To give you a clear picture of your potential out-of-pocket cost so there are no surprises.
What does insurance not cover?
Most insurances draw a line between medically necessary and elective services.
Elective services typically include anything cosmetic like teeth whitening or smile enhancements such as veneers, gum contouring, and teeth reshaping.
Insurance considers these treatments optional, so they typically fall outside of coverage, even though they can significantly improve the appearance of your smile.
If you’re curious whether a treatment would require out-of-pocket payment, you can contact our office to speak with one of our specialists and learn more.
Will my procedure be fully covered?
Unfortunately, insurance covers very few procedures at 100% of their cost, so we always aim to give patients a realistic idea of what to expect to pay out-of-pocket.
Factors that influence how much your plan might cover include your deductible and whether it’s a preventative, diagnostic, or elective procedure.
Our promise to you is that we’ll always be up-front and honest about costs.
Don’t Let Insurance Get in the Way of Your Next Appointment
Our team at Kansas Family Dental has you covered—even if your insurance doesn’t. We partner with trusted third-party financing companies like Cherry, CareCredit, and Proceed Finance for procedures that insurance doesn’t typically handle.
No matter what, our team can work with you to find an option that fits your budget so you can get the care you need and deserve without delay.
To get started, use our online booking tool to request an appointment.
Related Read: Your First Visit at a Delta Dentist in Overland Park
