Out-of-Network Dental Care: What It Really Means for Your Care
What “Out-of-Network” Really Means
The phrase “out-of-network dental care” can be scary for many patients. It can seem as though you’re being asked to choose between quality and affordability. However, getting dental care outside of your network can be easy, convenient, and even beneficial for you and your family’s oral health and experience.
To start, let’s make sure we know what “out-of-network” means. A dental office that is “out of network” is one that hasn’t signed a contract with your dental insurance company. It doesn’t mean you can’t use your insurance; it just means that the practice doesn’t follow the rules and fee schedules set by the insurance company.
A lot of patients are afraid that seeing a dentist that is out of network will mean losing their insurance benefits. That’s not true! You can still use your dental insurance, and your plan will still cover many services.
How Insurance Still Works
One of the most convenient things about picking a modern general dentistry office like Metro East Dental Care is that we will take care of the insurance for you. We file claims for you, so you won’t have to deal with confusing paperwork or endless phone calls. All you need to do is give us your insurance information, and we’ll consult with your insurance company to get you the most benefits possible.
Your plan’s out-of-network terms still apply to coverage. Your benefits won’t go away, even if your insurance pays a little less than an in-network provider. Our knowledgeable staff will explain what’s covered and how much you’ll have to pay, so there won’t be any surprises.
What Patients Usually Pay
What effect does getting care outside of your network have on your out-of-pocket costs? The following is what typically happens.
Insurance pays its share. After your appointment, your insurance will pay for part of the cost, depending on the out-of-network benefits in your policy.
Patients pay the difference. You’re responsible for the difference between what your insurance covers and what the practice charges.
There are no big surprises. Many families are pleasantly surprised to learn that the cost difference is small or even nonexistent, especially for routine and preventive care.
Keep in mind that dental insurance is meant to help with costs, not pay for everything. People often think that the difference between in-network and out-of-network fees is much bigger than it really is. This is especially true when you think about the quality of care, technology, and personal attention you get at a modern practice.
Why Out-of-Network Care Can Benefit Patients
Being “out of network” doesn’t limit your choices; in fact, it can give your family more freedom and flexibility. Here’s why.
Freedom of Choice: You don’t have to follow the treatment plans that insurance companies tell you to. Your dentist can work with you on what’s best for your family’s oral health.
Better Technology and Care: Metro East Dental Care, for example, invests their money on cutting-edge technology and a caring, well-trained staff. This means an easier and more pleasant experience all round.
Transparent Fees: The fees show the real care that was given, not what the insurance company claims. You get the benefit of modern, patient-centered dentistry.
When Costs May Look the Same
Insurance payments for many routine and preventive services, such as cleanings, exams, and x-rays, are often the same, whether you’re in or out of network. A lot of patients are surprised to find minimal or no difference in their out-of-pocket costs for these services.
Our team is here to help if you ever have questions about costs. We give you clear estimates and explain your insurance benefits, so you never feel lost.
You are never “on your own.”
If you choose a dentist who is not in your network, you are not alone in figuring out your dental care or insurance. Our team at Metro East Dental Care is dedicated to making your visit as easy as possible. Just ask us, and we’ll answer your questions, explain your coverage, and help you get the most out of your benefits.
Check out our Membership Plans if you want even more predictability. These low-cost options help you plan for care and can even help you save money, whether you have insurance or not.
Are you ready to get better dental care?
Don’t let the term “out of network” stop you from getting the great care your family needs. At Metro East Dental Care, we use cutting-edge technology, have a team of friendly staff, and put our patients first. This means you get the best care and the healthiest smile, often at no extra cost compared with in-network providers.
Contact us with any questions or to get a personalized quote if you need a dentist in Granite City, IL. We’re here to help you figure out what you can do to ensure that every visit is a good one.
Request an appointment today to find out how going to a dentist outside of your network can really help you!
