Cedar Spring Family Dentistry in Spartanburg, SC, is happy to accept patients with and without insurance. We accept the insurance companies listed below, as well as many others, so feel free to call our office if you have questions about insurance. Uninsured patients may want to consider joining the Cedar Spring Dental Group - a health savings program.
Accepted Insurance Companies (not a complete listing):
|Blue Cross Blue Shield||Cigna||Companion|
|Delta Dental Premier||Guardian||Healthscope|
|Security Life||Sunlife||United Healthcare|
At Cedar Spring Family Dentistry, we understand that dental insurance can often seem complicated. We’re here to help!
Here you’ll find answers to some of your common dental insurance questions.
Most dental plans will cover two cleanings per year (either once every 6 months or anytime twice a year), as long as they are deemed “reasonable and customary.”
However, if your visit falls outside of this range, then they may cover only a small percentage of your visit, and you would pay for the balance of the visit.
Dental policies have an annual maximum for dental payments. If you have enough of that maximum left over for the year, then your insurance company will pay. If it doesn’t, then only what is remaining will be paid.
Traditional medical plans are designed to protect you from large, unexpected health expenses, but dental plans do not work this way. Their main purpose is to serve as a yearly coupon towards specifically-outlined dental care expenses.
Once you have exceeded your limits for these expenses, then your coverage ends for that period of time.
*Quick Tip: To find out specifically what kind of policy that you have, call the 800 number on your card and ask these questions:
Unlike your HSA (Health Savings Account), dental insurance often has a “use it or lose it” policy. This means that if you fail to use your benefit maximum in a year, then that amount doesn’t roll over to the next, or future, years.
If your employer offers dental insurance plans, they tend to be more affordable than individual plans. Employers can help you save money on these plans by navigating the details of the plan, as well as covering the premium costs.
However, if you are willing to do your homework, you may be able to find a good, affordable insurance plan on your own. One thing to keep in mind when looking: at the end of the day, the insurance company is looking to benefit too, so ask specific questions before you decide to commit to a plan.
When you purchase a plan, often it’s not clear how long you would have to wait to receive your benefits. This is another important question to make sure that you ask the dental insurance company.
Even if you are continuing to pay your premiums, sometimes you might have to wait anywhere from six months to two years before the dental insurance company pays for treatments.
A good rule of thumb is take your monthly premiums and multiply them times 12. If this number is more than your expected cost of dental treatments for the year, then you may be paying more for dental insurance than is necessary.
Additionally, if you have healthy teeth and visit the dentist every 6 months for hygiene visits (vs. more extensive treatments), this is another case where you might be paying more that you need to.
However, if you know that you may need more extensive treatments, dental insurance could serve as a “health savings plan” to pay for the treatment.
Don’t have dental insurance benefits?
We have a wonderful program called the Cedar Spring Dental Group plan. It’s an alternative option for our patients that works like a health savings plan (vs. a dental insurance plan.) You choose the plan that works best for you, and for one flat annual fee, you’ll receive a variety of dental benefits throughout the year. This blog shares more information about this convenient program.
a locally owned practice, focused on you
Cedar Spring Family Dentistry has built a reputation for treating everyone like a member of our family. We also use the latest technology to make your visits and procedures as comfortable as possible.
A TEAM YOU CAN COUNT ON
Our three dentists and our team of certified hygienists, assistants and office staff collectively create a practice that you can trust and depend on. The only thing that matches our experience is our expertise.