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How Dental Insurance Works

At Castle Rock Smiles Pediatric Dentistry, Dr. Benzley and the team are first and foremost dedicated to making sure your children have healthy smiles they’re proud to show. Hand-in-hand with that commitment is our willingness to help you, the parents and caregivers, afford the cost of pediatric dental care.

With this in mind, we are an in-network provider for most PPO plans and we are also a Medicaid provider. In-network means that Dr. Benzley has negotiated a pre-determined fee for covered services. So once you’ve satisfied your annual deductible and paid your co-insurance charge, you pay nothing more. This can often greatly reduce your out-of-pocket expense.

Dental Insurance vs. Medical Insurance

There are many differences between dental and medical insurance. However, one that stands out and is almost universal is the limitation on dental benefits that typically expire at the end of each calendar year. Therefore, Dr. Benzley encourages parents to schedule their children’s dental checkups and any other necessary dental treatment in a timely fashion in order to take full advantage of the benefits your insurance policy provides.

What Does Dental Insurance Cover?

Most dental insurance policies cover regular dental exams and cleanings every six months. Just like Dr. Benzley, the insurance companies know a checkup is an important preventive measure that can help your child avoid more complex and more expensive procedures. Likewise, your policy may entirely cover the cost of a filling in order to prevent the spread of tooth decay.

In addition to cleanings, exams and fillings, your dental insurance coverage may include annual digital x-rays, dental crowns and root canal therapy. Other required restorative dentistry procedures may also be covered. You can check the details of your policy, or call our office to help. We are quite familiar with the coverage offered by many dental insurance companies that our patients have.

What Doesn’t Dental Insurance Cover?

Dental insurance usually does not cover any kind of cosmetic dentistry procedure. While we are primarily concerned about your child’s dental and oral health, we understand that the appearance of a smile can dramatically influence a youngster’s self-confidence. Therefore, Dr. Benzley always tries to maintain a natural looking smile. That’s why tooth-colored fillings and all-ceramic crowns are used whenever possible. These procedures are likely covered by your dental insurance. However, if your child has a tooth that is noticeably stained or discolored, we offer in-office teeth whitening. Although this is typically not covered, we’ll be happy to provide financing options so your child can have a completely white smile.