Dental Insurance – Prosper, TX

Allowing Your Child to Receive Affordable Dental Care

a girl smiling while undergoing her dental checkup

At Little Penguin Pediatric Dentistry, we understand that getting dental procedures done can be quite costly for many people. The last thing our team wants is for you to worry about how you’ll afford treatments for your little one, whether they need preventive care or require restorative/emergency services. For this reason, we’re happy to accept all PPO dental insurance plans and are in-network with a wide range of providers. Our team is committed to making this process as smooth as possible, and we’ll be glad to walk you through your policy so that you can maximize your child’s coverage. Feel free to read on or give us a call if you want help making the most of your benefits!

How Dental Insurance Works

a dental insurance form next to a dental X ray

Dental insurance works mostly in the same way as other forms of coverage, as you’ll make monthly payments to receive certain benefits. That said, you’ll want to consider a few things with your plan, such as:

  • Your insurance will usually set a yearly maximum—the highest amount of coverage they’ll pay in a year.
  • Your policy generally follows a calendar year, so your benefits will not carry over to the following year. Benefits reset on January 1st.
  • You’ll need to meet a deductible before your benefits can kick in for restorative treatments, regardless of whether they’re minor or major.

Most dental insurance plans offer 80-100% coverage for preventive services, so having your child visit their dentist every six months for checkups and cleanings is the best way to make the most of your benefits. Not only are these appointments more cost-effective, but they will also help your little one avoid more serious oral health issues in the long run.

What is the Difference Between Dental & Medical Insurance?

a child smiling at his dentist during a checkup

While they’re similar, dental insurance mainly prioritizes covering the cost of preventive care, such as checkups, teeth cleanings, dental X-rays, and fluoride treatments. Providers want to assist in avoiding more costly services, like tooth extractions, gum disease therapy, and root canal treatment, as doing so will help minimize their expenses. If you don’t use all of your annual maximum, then any remaining funds will simply go back to your insurer.

With medical insurance, you can expect your company to step in mostly to help cover surgeries, X-rays, hospital stays, and so forth. In other words, medical insurance mostly helps after a problem occurs, such as a broken bone, while dental insurance helps prevent major issues from starting in the first place.

In-Network vs. Out-of-Network

a child getting their teeth checked

You may have come across some differences in your premium, deductible, and annual maximum while reviewing your plan. When it comes to “in-network” and “out-of-network” providers, you can be sure to see variations in benefits and prices when taking your child to a dentist who is part of your network.

In-Network Coverage

Our team at Little Penguin Pediatric Dentistry is in-network with a wide range of insurance providers, including:

  • Aetna
  • Ameritas
  • BCBS Anthem
  • BCBS
  • Cigna
  • Delta Dental
  • GEHA
  • Guardian
  • Humana
  • Lincoln Financial
  • MetLife
  • Principal
  • United Concordia
  • United Healthcare

We also welcome all other PPO dental insurance plans so that your child can receive the effective dental care they deserve while working within your budget.

Out-of-Network Coverage

Visiting a dentist outside of your dental insurance company’s network might lead you to pay higher fees for dental care. Still, our team will be more than happy to help file claims for you so that you can expect a smoother process while allowing your little one to get their pearly whites taken care of.