(702) 341-9160
Book Now

Blog Archive

What Is a Supplemental Insurance Plan?

supplemental insurance
Marianne Cohan  September 8, 2023
What exactly is meant by the term "supplemental insurance plan"? We are all aware that having some form of financial protection, whether it be health, dental, life, auto, or home insurance, is a good idea. This is because having coverage will give you peace of mind and will protect you in the future. However, what […]
Read More

Why Going To The Dentist On A Regular Basis Will End Up Saving You More Money In The Long Run.

dentist
Marianne Cohan  March 10, 2023
Going to see the dentist at Summerlin Dental Solutions on a regular basis will end up saving you money in the long term. This is for a variety of reasons, all of which will be discussed in more detail below. However, before we proceed, the most important thing to keep in mind is that this […]
Read More

Do My Insurance Benefits Expire?

insurance
Marianne Cohan  November 13, 2022
Your dental insurance benefits are recalculated on an annual basis. The vast majority of people observe it on January 1st. But if your dental insurance is reset, it also means that the advantages from the previous year no longer apply. To put it another way, you have the option of carrying over an unused or […]
Read More

CareCredit Covers What Insurance Doesn’t

CareCredit
Marianne Cohan  October 10, 2022
Whether or not they have dental insurance, sometimes the cost of dental care prevents people from receiving the care they require; before CareCredit that is. Even for individuals who do have dental insurance, this can still be the case. It might be difficult to believe, but the amount that dental insurance will cover for dental […]
Read More

DENTAL INSURANCE QUESTIONS AND ANSWERS AT YOUR SUMMERLIN DENTAL OFFICE

dental insurance
Marianne Cohan  May 18, 2022
DENTAL INSURANCE QUESTIONS AND ANSWERS PEOPLE ASK How much does dental insurance cost? What does dental insurance cover? Who will take my insurance if I get it? Is dental insurance worth it ? Does insurance cover implants? How much is a dental cleaning without insurance ? How to get dental implants covered by insurance?  CLICK HERE TO […]
Read More

HOW TO SIGN UP FOR A DENTAL INSURANCE PLAN AND FAQ’S

dental insurance
Marianne Cohan  May 18, 2022
HOW TO SIGN UP FOR A DENTAL INSURANCE PLAN AND FAQ’S CLICK HERE for a list of insurances accepted at Summerlin Dental Solutions. PEOPLE ASK: How much is dental insurance? Is dental insurance worth it? How to get dental insurance ? Does dental insurance cover implants ?  How much is a dental cleaning without insurance ? How to […]
Read More

Our Blog

What Is a Supplemental Insurance Plan?

September 8, 2023
Supplemental

What exactly is meant by the term "supplemental insurance plan"?

We are all aware that having some form of financial protection, whether it be health, dental, life, auto, or home insurance, is a good idea. This is because having coverage will give you peace of mind and will protect you in the future. However, what if the insurance plan you have does not cover everything that you might require?

You may be familiar with the term "supplemental insurance" in relation to dental benefits and health insurance. But what exactly is supplemental coverage, why might you require it, and is purchasing it really going to be worth the money that you spend on it? Let's dive in.

What exactly does "Supplemental Coverage" entail?

To put it another way, supplemental dental insurance is additional private health coverage that you can purchase to help you pay for costs that aren't covered by your primary insurance policy. This additional coverage can assist you in paying for costs that aren't covered by your primary insurance policy.

Your need to pay common out-of-pocket expenses like copays, deductibles, and coinsurance might be reduced or even eliminated entirely, depending on the supplemental benefits you pick to go along with your primary insurance plan. Some supplemental plans may also pay for a portion of services and other costs that are not covered in any way by your primary insurance policy. This is something that is not the case with all supplemental plans.

As a result of the fact that supplemental insurance is intended to fill in these gaps, policies that are designed specifically for people who are enrolled in Original Medicare are frequently referred to as "Medigap" plans.

Supplemental Insurance Definition

A policy known as supplemental insurance is one that you hold in addition to the primary benefits you already have. It can help you pay for out-of-pocket costs or other expenses that aren't covered by your primary plan, such as deductibles or copayments.

Why Do I Require Additional Insurance Coverage?

At this point, you might be wondering to yourself, "Do I really need additional insurance?" The correct response is "no." It is possible for you to go to the dentist and receive the necessary services even if you do not have insurance that covers the cost of doing so. On the other hand, the question of whether or not you ought to get supplemental insurance is an entirely separate one.

insurance

Unfortunately, this question is difficult to answer due to the fact that everyone's circumstances are unique. Consider whether or not you would gain any benefits from purchasing additional coverage. comes down to what your primary insurance covers, what services you might need in the coming year, and how much you are reasonably able to pay on your own for any out-of-pocket costs that may arise. Other out-of-pocket expenses, such as deductibles, copays, and coinsurance, as well as other fees, can quickly add up to hundreds, if not thousands, of dollars in charges. You will have increased protection against these financial burdens if you have supplemental insurance, particularly in the event of an unanticipated illness or injury that may require dental care.

Who Should Consider Purchasing Additional Health Insurance?

Those who are already covered by dental benefits provided by their employer may not need to worry as much about purchasing additional insurance. Having said that, the majority of standard plans only cover fifty percent of major procedures like crowns and root canals, and they might not provide any coverage at all for orthodontics. You should probably think about purchasing some kind of supplemental plan if you or your family members believe that you will require extensive medical procedures or braces in the near future.

People who already have health insurance plans that meet the requirements of the Affordable Care Act are another group that might gain something from purchasing supplemental coverage. Adult dental coverage is not regarded as a "essential health benefit" by the Patient Protection and Affordable Care Act (ACA). Those who have purchased health insurance through their state's marketplace should probably give some thought to the possibility of purchasing supplemental coverage through private insurance.

Those who are currently enrolled in Original Medicare are the final group that may want to give supplemental insurance serious consideration. If you receive these kinds of benefits through the federal government, you may wonder if you truly require a Medicare supplement plan. The answer, which is likely yes, is that you do need a Medicare supplement plan.

Dental procedures are not covered by the original Medicare plan, unless the treatment in question is required in conjunction with certain hospital care. (Medicare Advantage (Part C) plans offer comprehensive protection by bundling Medicare Parts A and B into a single plan. Additional coverage options, such as dental and prescription drug (Part D) coverage, may be added to a participant's Part C plan. Medicare Supplement insurance policies, also known as Medigap, are able to assist in the payment of any out-of-pocket costs that are not covered by Medicare Parts A and B. Although it extends coverage beyond that of Medicare, the supplemental insurance known as Medigap is not provided by the federal government.

Regrettably, participants in the Original Medicare program frequently do not receive the necessary dental care they require. This is an even more serious problem when one considers that seniors, who make up the majority of Medicare recipients, are already at an increased risk for issues such as tooth decay and gum disease. It has been demonstrated that issues like these can contribute to or exacerbate the development of other conditions like diabetes and heart disease.

Should any of these problems manifest themselves, considering adding dental coverage to your supplemental insurance plan can help you address them as soon as they appear. You will also have access to preventative dental care, which will lower the likelihood that you will require more expensive procedures in the future.

Is It Worth It to Get Supplemental Insurance?
supplemental insurance

Supplemental insurance may end up saving you a significant amount of money in the long run if your primary health insurance policy does not cover dental care or only covers a small portion of dental care costs.

Consider the following: If you do not have dental coverage, the cost of just one preventative dental visit (which typically includes an exam, cleaning, X-rays, and fluoride), could range anywhere from $200 to $300. The majority, if not all of these costs, will probably be covered by a quality dental plan. It will also help you save a significant amount of money on any additional procedures, such as fillings, crowns, root canals, or dentures, that you may require in the future.

And what about plans known as "Medigap"? Is it worth it to pay for Medicare supplement plans? If you are enrolled in the Original Medicare program, purchasing additional dental insurance as a supplement to your coverage is a very good idea. According to the Kaiser Family Foundation, in 2016, 65% of people receiving Medicare did not have dental coverage, and 49% of those people stated that they had not visited a dentist in the previous year. 19% of those without supplemental insurance who did seek dental care reported out-of-pocket costs of more than $1,000. This was the case for those who did seek dental treatment.

Given the correlation between oral and systemic health, it is of the utmost importance to ensure that you have access to dental care; however, we are aware that there are many factors to take into consideration. Make use of our advice to assist you in selecting a plan that is suitable for both you and your grin.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

 

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

summerlin dental solutions

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

Why Going To The Dentist On A Regular Basis Will End Up Saving You More Money In The Long Run.

March 10, 2023
dentist

Going to see the dentist at Summerlin Dental Solutions on a regular basis will end up saving you money in the long term.

This is for a variety of reasons, all of which will be discussed in more detail below. However, before we proceed, the most important thing to keep in mind is that this is not only about the money.

Dental problems can have a domino effect on the rest of your body. Researchers are aware of a connection between heart disease and periodontal disease; however, they do not yet have a good understanding of the nature of this association.

People who suffer from periodontal disease have an increased likelihood of developing cardiovascular disease, regardless of whether or not this oral condition is the root cause. It is important to bear in mind the risk factors associated with heart disease because it is the leading cause of death in the United States.

And if you think that the fact that you clean your teeth twice a day exempts you from the dangers of periodontal disease, you should rethink that assumption. Even with careful attention paid to dental hygiene at home on a consistent basis, everyone is susceptible to developing periodontal disease. Periodontal disease affects almost half of all persons over the age of 30, according to some estimates.

Your dentist will be able to detect tooth decay, cavities, and even oral cancer in their earliest stages if you get regular dental exams. If any of these problems are discovered in their early stages, treatment will be far simpler (and cheaper). Let's discuss.

Why maintaining a consistent visit schedule will save you more money in the long term.

Let's talk about the greenbacks now that you have a (very general) understanding of the benefits to your health. In order to receive preventative dental care, you will need to shell out some cash. Because the price of these visits builds up over time, one may wonder whether or not they wind up being less expensive than other types of dental treatment, such as restorative dental care or dental emergencies.

If you never require a restoration or find yourself in a situation requiring immediate attention, then skipping dental visits will save you money. However, how probable is that to occur? If you don't visit the dentist on a regular basis, your odds of avoiding the need for extensive dental repair are fairly low. This is because dental problems can develop slowly over time.

Let's take a look at a few of the reasons why spacing out your appointments over extended periods of time results in a higher overall bill.

1) The charges for cleanings and scaling are based on the amount of time spent: More tartar buildup equals more time spent cleaning.

The expert cleaning that the dentist performs is going to take up a significant portion of your appointment. Plaque is a sticky substance that grows on your teeth as a result of the food that you eat. The majority of this can be removed when you brush your teeth (provided that you do it in the correct manner). On the other hand, if there are any particles of plaque stuck between your teeth, over time this will eventually harden into tartar, which is extremely difficult to remove with a toothbrush.

Both of these substances provide an environment in which bacteria can thrive and multiply close to the teeth.

Plaque and tartar will be removed from your teeth in a careful and thorough manner by your dentist or dental hygienist, including from any locations that are difficult to access. The length of time needed to do this task is typically determined by how unclean your teeth are. When there is a greater accumulation of plaque and tartar, cleaning them takes significantly more time. Naturally, the lengthier the dentist session, the greater the cost of the service will be.

2) Your insurance, most likely, includes yearly minimums that must be met in order to continue coverage.

You should also take into consideration the details of your dental insurance plan. The majority of people have access to dental insurance through their place of employment. If you happen to be one of the lucky ones, you should surely make the most of this opportunity.

There are a few key operational differences between standard health insurance and dental insurance. Its primary function is not to be ready to pay the exorbitant medical bills that result from a serious accident or injury; rather, it is to pay for routine preventative treatment. Your plan may compel you to reach certain minimum charges during the year in order to encourage you to visit their establishments. To put it another way, maintaining a regular schedule for your dental checkups will be to your financial advantage.

3) It is essential to detect degradation at an early stage.

One of the reasons some people avoid going to the dentist is due to the dread of being in agony or feeling discomfort there. Dentists, on the other hand, do all in their power to alleviate their patients' discomfort and cut down on the amount of pain they feel. In point of fact, thanks to advancements in dental technology such as local anaesthetic and sedation, the majority of patients have very little discomfort during their procedures.

Having said that, larger cavities and more severe issues will still result in higher costs and greater levels of discomfort. Consider the difference in price between getting a filling and having a root canal done as an illustration.

Dental fillings are a common and routine operation. They are typically able to be performed on the spot, requiring only a brief injection of local anesthesia, and do not incur a significant cost. When you have slight dental decay that has hollowed out a hole in one of your teeth, your dentist will place a filling (after cleaning out and disinfecting the tooth that was impacted). This will be done after the tooth has been cleaned out.

Depending on the extent of the damage, a filling might cost anywhere from $150 to $350 on average.

If, on the other hand, your dentist does not have the opportunity to fill that cavity, the decay of your tooth will continue until the infection reaches the pulp, which is a soft tissue located inside your tooth. If you haven't already, you will almost certainly get a toothache or experience pain at this time, and you will have no choice but to get a root canal.

How much will it set you back to purchase that? You could wind up paying anything from $600 to $1,400 for a single tooth, depending on the market and the kind of tooth you need (molars have more roots and thus are more expensive).

4) Routine dental cleanings prevent the buildup of tartar and plaque, two factors that contribute to more severe forms of gum disease.

It is important to keep in mind that the accumulation of more plaque and tartar in a longer period of time between visits to the dentist is not the only issue to consider. Even if you only have a small amount, the longer plaque and tartar are allowed to remain on your teeth, the more time the bacteria have to create damage, and the deeper it is able to penetrate your teeth.

The situation is just going to get worse as time goes on since it is only getting deeper and more entrenched. When this happens, you will start having significant issues with your teeth. To completely repair your smile, you might even need to have some of your teeth extracted and replaced with dental restorations.

The surface of your teeth does not contain any nerves at all. Toothaches and other forms of dental pain are normally only experienced if the problem has progressed to the point where it is affecting the soft pulp located in the core of the tooth, which is where the nerves are located. That is to say, if you wait until you feel it, it may already be too late to save the tooth, thus you should not wait until you feel it.

5) Preventative medical care is less difficult and more affordable to carry out.

Regular trips to the dentist are not too expensive, particularly if you have dental insurance. If all that is required of you is a speedy cleaning, a visual inspection, and perhaps a set of dental x-rays, you can expect to be in and out of the clinic in under an hour for the cost of a copay. If you have any questions or concerns, please do not hesitate to contact our office.

If, on the other hand, you require a root canal or restoration, you should plan on several visits and care that is significantly more complex. That translates into dollar signs that are going up as well. According to the findings of a study conducted by the health insurance company Cigna, individuals who did not receive preventative dental treatment had dental costs that were 43 percent greater.

When should I next make an appointment with the dentist?

The majority of patients benefit best from seeing their doctor once every six months. Because of the unique factors affecting their oral health, certain individuals might require more frequent trips to the dentist than others. When you have located a dentist, make it a point to inquire about the frequency with which they advise patients to schedule checkups.

How much does it cost to have a checkup at the dentist?

It's possible that you've overheard some individuals griping about how expensive dental treatment is. It's possible that this is the reason you've put off going to the dentist for such a long time. On the other hand, it's highly improbable that they are upset about the price of a routine dentist appointment.

Depending on the specifics of the market in which you live, the price of a dental checkup might range anywhere from $20 (with insurance) to $500. On the other hand, any service that requires more than just a basic filling or cleaning may easily cost several thousand dollars. For instance, the price of an extraction can range anywhere from $220 to $4,000, and the price of a crown might be anywhere from $500 to $3,000. Dental implants can replace individual missing teeth for a cost ranging from $3,500 to $4,000 per implant.

With just these examples, it is easy to see how the price of these more significant dental procedures far outweigh those of preventative care.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

 

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

IMG_8760-1.jpg-MINNESOTA-PHOTO-1-300x249

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

Do My Insurance Benefits Expire?

November 13, 2022
Insurance

Your dental insurance benefits are recalculated on an annual basis. The vast majority of people observe it on January 1st. But if your dental insurance is reset, it also means that the advantages from the previous year no longer apply. To put it another way, you have the option of carrying over an unused or expired insurance policy into the following year. After the expiration date, you will no longer have access to the insurance coverage, and you will only be able to take use of a limited amount of the coverage or benefits that are available to you between January 1 and December 31.

That means that once the page on the calendar is turned, any of your benefits that have been unused will be lost. Therefore, if you were unable to have that second (or first) checkup because of the pandemic in 2021, you will not be able to carry those missed appointments over into 2022.

It Is Important to Practice Preventive Dentistry

Regular visits to the dentist for cleanings and exams are the best way to maintain good dental hygiene. They also provide us with the opportunity to identify possible problems well in advance of those problems developing into major difficulties. The most exciting part? Your dental insurance most likely covers the cost of the best preventive dentistry services in full or very close to it.

When you go in for your checkup every six months, you will often receive preventive treatment. It is intended to improve the degree of dental health you currently possess and detect minor problems while they are still amenable to correction. The following are some examples of preventive services: dental cleanings; fluoride therapy; bite splints or mouth guards; oral cancer screenings; dental sealants for youngsters; periodontal evaluations; routine exams;

If you fall behind on your checkups, this could result in your out-of-date and expired insurance coverage being discarded. Throughout the course of the year, your regular premium payments have served as payment for those services. But you will lose them if you don't put them to use.

If you want to be sure that your dental insurance is "working" for you, the best thing you can do is to make sure that you schedule your checkups exactly on the dot every six months. Therefore, you will never fall behind on preventative care and will never have to worry about having to pay for treatment out of cash because your insurance coverage has run out.

Utilizing Your Restorative Benefits to Their Full Potential

When it comes to comprehending the extent of your dental insurance coverage, there are numerous treatment categories that fall under a variety of levels or tiers. As medical procedures grow increasingly difficult to carry out, they are promoted to more difficult levels of treatment. These several classifications of medical interventions are each covered at their own individual rates. Therefore, what might be covered at a rate of 75–80 percent if it's a basic filling could drop to 50 percent if it's a more extensive restorative surgery.

It is not possible to carry unused benefits over to the following year or to "stack" them with your new benefit allocation in order to pay for more extensive treatments. The coverage provided by the insurance policy that has since lapsed is no longer available. Because of this, it is highly recommended to make use of it while surgical treatments are still very minor and more reasonably priced. You are, in essence, putting your dental insurance to work for you, and as a consequence, you reduce the amount of money that you have to pay out of pocket for your dental care.

Not only are treatments administered sooner more affordable, but they are also less intrusive. Before problems such as decay or disease start to eat away at your smile, we are able to assist you in preserving a greater portion of the natural tooth structure that you have. If you put off getting treatment, eventually the tooth will get to the point where it can't be saved and it will fall out. At that point, it is typically necessary to eliminate it completely.

"I Am Unaware of the Benefits That My Insurance Provides"

insurance

Our dental professionals in Summerlin will do all in their power to explain the benefits and breakdowns of your insurance in a language that is simple and straightforward. You won't be taken aback by any unexpected costs if you do it this way. You will have access to all of the information that you require in order to actively participate in the planning of therapies. In addition, Dr. Cohan will make every effort to figure it out in such a way that each stage is finished before the end of the year, which is when the advantages of your dental insurance will be exhausted.

If you are unsure of the date of your most recent dental visit, please let us know, and we will check with your insurance provider to see what benefits are still available to you. In our medical practice, we are always happy to see new patients! When you phone to schedule your appointment, just make sure that you have your dental insurance card on hand before you do so. In this manner, we will be able to compile all of the necessary information prior to your arrival. In addition, we are able to inform you if the renewal of your insurance coverage occurs on a date other than January 1st.

Make an Appointment with you Insurance as Soon as Possible

COVID-19 resulted in a severe delay in dental care for an unprecedented number of individuals. To our good fortune, the majority of dental insurance coverage prioritize preventive dentistry as a primary benefit. You can reduce the overall cost of treatment in the future by taking advantage of the normal coverage and preventative services that your insurance plan provides.

But that's not the end of it. In the event that you do find yourself in need of treatment, it is imperative that you make use of the advantages that are contained in your plan before the 31st of December. Therefore, make sure that you schedule your appointment for preventative dentistry in plenty of time in advance so that you will have enough time to turn around and treat any problems that may have been going untreated up until this point.

Our dentist in Summerlin, Dr. Marianne Cohan, is a firm believer in providing care for dental health that is proactive, preventative, and less intrusive. Make sure to schedule your next visit as far in advance as you can so that we can assist you in maintaining good oral health (and dental care costs low.) Get in touch with Summerlin Dental Solutions right away.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

 

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

IMG_8760-1.jpg-MINNESOTA-PHOTO-1-300x249

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

CareCredit Covers What Insurance Doesn’t

October 10, 2022
CareCredit

Whether or not they have dental insurance, sometimes the cost of dental care prevents people from receiving the care they require; before CareCredit that is. Even for individuals who do have dental insurance, this can still be the case. It might be difficult to believe, but the amount that dental insurance will cover for dental care has not changed in line with the typical rates of economic inflation; in reality, it has been constant for more than 40 years. On the other side, the price of dental care has been rising because of things like the cost of living, administrative costs, lab fees, and the price of various materials.

Therefore, it should not be surprising that many people put off visiting the dentist or scheduling an appointment for the required care. Dental insurance "should" provide full coverage for dental care, but when it doesn't, you are left to choose whether or not your tooth "hurts" enough to warrant treatment depending on the cost of that treatment. In fact, a tooth may have an abscess or be nearing the end of its life without ever exhibiting any symptoms of pain or sensitivity.

The good news is that, as long as the therapy is preventative in nature, dental insurance will often pay for 100% of the cost of dental care. That is, a treatment meant to delay a disease from developing or to delay it for a long time. Such things, as well as fluoride, dental sealants, regular cleanings, and infrequent X-rays.

But what if your dental insurance won't pay for the necessary surgery? Or, it's possible that only a portion of the total cost of your treatment will be paid for by your dental insurance. Normally, you would be required to use your own money to make up the difference. However, at Summerlin Dental Solutions, we are happy to provide CareCredit as a convenient payment alternative for our patients.

Carecredit

What is CareCredit, exactly?

The idea of utilizing a credit card to pay for dental and medical expenses has been improved by CareCredit. You can use it for any type of dental procedure, even elective ones like teeth whitening, Invisalign, dental veneers, and smile makeovers. Additionally, it can be used for tooth replacement utilizing different techniques as well as whole mouth restoration with dental implants.

However, this part is the most interesting: Most candidates qualify for financing rates of 0% or considerably lower. Customers of CareCredit often get a grace period of one year to pay off their loans in full without incurring interest charges. You can choose to make a little monthly payment instead of paying it off all at once, or you can pay it off whenever you are prepared. Once you discover you need treatment, you don't have to put it off because CareCredit enables you to pay for it gradually.

It is not particularly difficult to get approved with CareCredit. Whether you do it at home, on your smartphone, or right here in our Summerlin dental office, you can submit your application at any time. Usually, the approval happens right away, allowing you to access the money the same day that you applied for it. This will save you from having to wait to start therapy if you need it right away. Compared to dental insurance, it may be finished more quickly, and it makes it much easier to cover the cost of dental care.

Delaying dental care could cost more money.

Dental care is misunderstood widely, and this misconception is shared by many people. It has to do with the fact that if a person's tooth isn't hurting, they won't rush to have it corrected until it does. But here's the thing: tooth discomfort or a visibly flawed tooth aren't the only indicators of a potential dental issue. The vast majority of the time, they don't surface until the diagnosis has had a chance to develop into something more serious.

The best course of action from a dental and economical standpoint is to treat a dental condition as soon as it is identified. For example, treating tooth decay is less intrusive and more affordable when the cavity in a tooth is small. However, if it is left untreated for a few months, the cavity may deepen and affect the nearby teeth or nerve, necessitating further fillings in addition to a root canal. Patients will need to keep longer appointments and pay more for their care according to the infection's severity.

Even if you don't have dental insurance, don't know what your policy will cover, or don't have any insurance at all, CareCredit makes it easy and quick to get the dental care you require. Over time, you'll not only save money but also better maintain the quality of your smile. The fewer and smaller restorations that are needed will directly lower your future dental expenses.

Absolutely, CareCredit can be used to pay for smile makeovers.

Ordinarily, the patient's dental insurance will not cover the expense of a dental procedure if it is deemed elective. This is aesthetic dentistry, to put it another way. Most of the time, it is not possible to use benefits to pay for cosmetic dentistry procedures like acquiring a new smile. If the alterations you wish to make are only aesthetic in nature, CareCredit is an option you might want to think about. You can receive financing for all or part of your medical care, and you can then spread out the cost with affordable monthly payments. The waiting period is already over!

Affordable Summerlin Dentist

Do you have any inquiries about CareCredit or the dental insurance coverage it offers? Contact Summerlin Dental Solutions if you're in the city. You can ask Dr. Cohan any questions you may have, and she'll be happy to respond along with our supportive group of patient coordinators. You're going to kick yourself for holding off on calling us for so long. To begin, get in touch with us as soon as possible.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

 

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

IMG_8760-1.jpg-MINNESOTA-PHOTO-1-300x249

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 

CLICK HERE TO SCHEDULE YOUR APPOINTMENT!

DENTAL INSURANCE QUESTIONS AND ANSWERS AT YOUR SUMMERLIN DENTAL OFFICE

May 18, 2022

DENTAL INSURANCE QUESTIONS AND ANSWERS

dental insurance

PEOPLE ASK

How much does dental insurance cost?

What does dental insurance cover?

Who will take my insurance if I get it?

Is dental insurance worth it ?

Does insurance cover implants?

How much is a dental cleaning without insurance ?

How to get dental implants covered by insurance?

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

In this article, we discuss and respond to the questions that are asked the most commonly concerning dental insurance coverage in the United States.

Dental insurance is often difficult to understand. We realize you've had questions. We've got answers. Let us at Summerlin Dental Solutions simplify things for you, shall we?

Insurance basics: Common questions

How does one go about getting dental insurance?

Just as with any other type of insurance, you will be required to pay a monthly payment that will vary according to the insurance provider, the region in which you live, and the coverage you choose. Because dental treatment is typically not covered, if at all, by public health insurance, most of the dental care is typically paid by private insurance.

Dental insurance is sometimes contingent on the dentists that you choose as well as the amount that you can pay. You are eligible for one of these plans if you already have a dentist who is a member of an insurance network and if you choose to use that dentist. Even if your dentist is not part of the network, you will still be covered by the insurance; however, you will be responsible for paying a larger portion of the bill out of cash. Even if you don't already have a dentist, you are free to seek treatment from any of the dentists who participate in the plan's network.

Before any dental work may be performed, the waiting time that is imposed by most dental insurance carriers is normally between six months and a year. Since cosmetic care operations are not considered to be essential to one's health, most insurance policies do not include coverage for them.

Have further questions for your Summerlin Dental Office?

Check out our comprehensive guide right here.

How much does dental insurance cost?

Although it may be purchased for as little as $15 per month, dental insurance typically costs approximately $50 per month for the majority of consumers. The price is often determined by the type of protection you require as well as the state in which you reside.

The majority of plans impose a cap on the amount of coverage you may receive each year. The maximum benefit that will be paid out by dental insurance is often between between $1000 and $2000. Your dental insurance will no longer provide any coverage after you have reached the yearly maximum limit. Any further dental treatment that has to be done will require that you pay for it out of pocket.

It is quite unlikely that you will make full use of your yearly coverage unless you are planning on getting extensive dental work done, such as a root canal or a crown. In point of fact, just roughly 4 percent of people in the United States use all of their available benefits.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

What are the benefits of purchasing dental insurance?

The cost of dental care can be rather high, particularly if it is paid for out of pocket. However, dental care is not something you can miss out on because of how important it is to your overall health.

Because the majority of dental insurance policies cover a significant portion of your operations, receiving dental care your Summerlin Dental Office is now within the financial reach of individuals as well as families. An advantage that is available to you right now is that your service provider will pay in full for the two visits to the dentist that you make every year.

Even if your teeth are in good health, it is still important to visit your dentist twice a year for checkups and cleanings even if you have dental insurance. Spending less money on preventative treatment can save a significant amount of money that otherwise would have to be spent on more expensive operations in the future.

Who in their right mind needs dental insurance?

If you are able to pay a substantial payment out of pocket for necessary dental care, then you do not need dental insurance your Summerlin Dental Office. Dental insurance is mandatory for everyone else. You are still better off with insurance, even though it is possible that you will not reach your yearly limit. If you are of advanced age or if you believe that you have a larger likelihood of developing dental problems, then dental insurance may be something that you should look into.

What exactly does it mean to have dental indemnity insurance?

There is a form of insurance known as dental indemnity insurance that reimburses you for your medical expenses after you have seen the dentist and paid the consultation fee in full. In this scenario, you start by going to the dentist, then you pay for the service, and finally, you file a claim with your insurance carrier. After that, you will receive a reimbursement from your insurance for a portion of the charge.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

If you already have a dentist that you like or if you want access to a wide range of other providers, this is the perfect plan for you. It's possible that the yearly coverage limit is larger, but the monthly premiums often are, too, especially when compared to comparable plans.

What does it mean to have a charge schedule plan?

A fee schedule is a list of rates that every dentist keeps, which details how much they charge for each service they perform and may be requested during initial consultation. The list also shows the amount that will be paid for by your dental insurance. The timetable shifts and changes based on the provisions that are deemed acceptable by the insurance company as well as the fees that are charged by the dentist.

The "usual, customary, and reasonable" pricing that insurance companies want to establish for a procedure is frequently what controls the fee schedule plan. UCR stands for "usual, customary, and reasonable." The UCR is often somewhere towards the middle of the price range that other service providers in the region provide.

Different Kinds of Insurance

What kinds of expenses are covered by Medicaid?

All children and young adults under the age of 21 who are enrolled in Medicaid are eligible to receive dental care benefits. This is one of the advantages that are included in what is known as the "early and periodic screening, diagnostic, and treatment" (EPSDT) benefit package. The provision of preventative dental care, in addition to the diagnosis and treatment of dental diseases, is included among the dental services that are covered.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

The dental benefits that are provided to people under Medicaid are determined by the states. The majority of states only provide basic dental treatment in the event of an emergency, and relatively few of them give full coverage.

image1-Copy-300x245

What kinds of expenses are covered by Medicare?

Like Medicaid, Medicare does not cover dental operations. However, it only provides a restricted scope of care that is necessary to preserve overall health or it is included as part of another Medicare-covered medical treatment plan. For instance, Medicare could pay for any further dental care you need after you've undergone jaw surgery.

After the first dental treatment has been completed, any subsequent dental care that may be necessary will not be covered by the insurer.

Which company offers the most comprehensive dental coverage in the United States?

There is no shortage of dental insurance companies in our nation; however, just because one plan is suitable for you does not mean that it will be suitable for everyone else. The following are some of the companies that offer dental insurance:

Cigna

UnitedHealthOne

Humana

Delta Dental

Ameritas

It is in your best interest to evaluate many different dental insurance plans before settling on a single provider of dental coverage. This will allow you to choose the policy that meets your requirements while remaining within your price range your Summerlin Dental Office.

What kinds of dental treatments are often paid for by dental insurance?

The majority of health insurance policies include coverage for some type of preventative care, often in the form of two annual exams and cleanings. Other dental operations, such as those listed below, could also be covered by your insurance:

Fillings

Crowns, implants, and bridges are all available.

Root canal procedures

Procedures categorized as an emergency, such as oral surgery

X-rays

Surgical removal of teeth

How much will be covered by your insurance?

The extent to which each of these services is provided will be determined by the package that you select. While some important operations, including as fillings, may require additional dollars to be paid out of pocket, preventive care is typically fully covered by insurance companies.

What does "in-network" mean?

Dentists who are members of an insurance company's in-network provider group are able to give their patients with dental care at reduced rates since they collaborate with the insurance provider. Using a dentist that participates in your insurance network will ensure that you are always covered by your insurance and that you will pay a lower out-of-pocket cost for their services.

When you receive dental treatment, you will have access to additional coverage and pay a lower portion of the total cost out of pocket.

However, you will find fewer dentists from whom to choose, so be prepared to deal with this limitation. There is a possibility that the dentists in the network will not always be able to meet all of your requirements.

What exactly is PPO? What exactly is a DHMO?

Customers of a dental care plan known as a preferred provider organization, sometimes abbreviated as PPOs, have the option of selecting their own dentist from among a group of recommended dental providers.

These service providers often provide their services at discounted rates within the confines of a maximum yearly cap. Some PPOs give you the freedom to select a dentist who is not part of their network, and they can even give you a discount once you've used up all of your yearly coverage.

Dental HMO insurance functions in the same way that PPO coverage does, with the exception that participating dentists agree to charge fixed fees for their services. A predetermined amount is handed out on a monthly basis to each of the participating dentists. Although DHMO is most commonly utilized by companies to provide coverage for their employees, it is also available to individuals. When compared to other types of dental insurance policies, DHMOs often provide more affordable premiums, which is one of its many advantages.

There are three primary categories of insurance policies.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

How can I make the most of the advantages I am eligible for?

You will get the greatest value out of your insurance if you take the time to select the plan that is tailored specifically to your requirements. Whether you have an HMO or a PPO, once you find a plan that works for you, staying in-network will provide the greatest coverage possible for your medical expenses. If you go to a provider who is not part of your network, you will have to pay a higher out-of-pocket cost. You and your dentist can also coordinate the timing of your dental operations so that you do not go over the maximum number of visits permitted in a year.

If I have insurance, will all providers take it?

If the treatments being provided are covered by the plan, dentists who are part of your insurance network will acknowledge and accept your coverage. However, if the dental office is not part of your insurance provider's network, they could not take your dental insurance cover. If they do, your insurance will consider them to be outside of their network, and you will be responsible for the remaining balance of the cost in almost all circumstances.

How can I locate a dentist in my area that participates on my insurance plan?

Check with your insurance carrier; they should normally be able to give you with a list of dentists who are part of their network. You may also use Opencare to discover a dentist who accepts your insurance or call the dental office to find out which insurance providers they work with. Other options include calling the dental clinic directly.

What aspects of dental care are covered by dental insurance?

How can I estimate how much money I will need to pay for my dental treatments?

When you call to schedule your dental appointment, you may inquire about receiving an estimate of the total cost of the procedures from your dentist. Before initiating dental treatments, there are certain insurance companies that need you to submit a treatment plan to them beforehand. This proposal will assist your insurer in determining whether or not the services are covered, the maximum amount of coverage you are eligible to receive, and whether or not you will be required to pay for any additional costs out of pocket.

How can I find out which dental procedures are covered by my insurance?

Your Summerlin Dental office has the ability to submit a request for a pre-estimate or pre-determination to the insurance company in order to find out what aspects of the claim the insurance will cover and what aspects it will not cover. In order to facilitate the scheduling of your dental appointment, the preliminary estimate will also inform you of the amount that they will cover. You should always advocate getting a pre-estimate for anything that isn't important, including anything. After you have scheduled an appointment with your dentist, you should then either give the practice a call or email the insurance company a predetermination or pre-estimate. A pre-estimate, on the other hand, is not a guarantee that the insurance company will pay for everything that is included in the pre-estimate.

My insurance was accepted at the office; thus, why do I still have a balance to pay?

This might be due to any one of a number of possible factors. First, it's possible that you've reached the limit for the year. You may have gone with a dentist who is not part of the insurance provider's network, or the services could have been declined (insurance determines the service not necessary). You are free to follow up with the insurance company on your own and contest the treatment that was not covered if you have been told that you will not be receiving treatment.

I was wondering why I hadn't received my free cleaning.

Although we mention that insurance covers two cleanings per year, this does not mean that they are completely free. Once you've reached your yearly limit, your insurance company is no longer obligated to pay for any more treatments, even if you are qualified to get them. This maximum is typically between one thousand and one thousand five hundred dollars (USD) every year. On the other hand, several plans will expressly state that diagnostic and preventative treatment are not included in the total cost and will not be factored into the maximum. In each of these scenarios, you would still be entitled to the two complimentary cleanings.

How can I check the remaining money on my yearly limit for my dental insurance?

Do you know the maximum amount that your yearly insurance will cover? If you do, you'll be able to figure out the gap between what you've already spent and the maximum amount allowed for the year. Contacting your insurance provider is the best approach to obtain precise information, since they will be able to tell you how much of your yearly allotment you have remaining as well as how much you've already used up.

What if my general dentist suggested that I see a specialist? Will that visit be covered?

There is a possibility that your plan will cover a selection of specialized services. Your dental care plan, your dental insurer, and the circumstances surrounding your referral all play a role in determining whether or not you will be covered for your dental care. However, if you go above the yearly restrictions that your policy allows, it's possible that you won't be protected anymore. If the specialist is not part of your insurance company's network, you may additionally be required to pay a higher copayment.

IMG_8760-1.jpg-MINNESOTA-PHOTO-1-300x249

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

HOW TO SIGN UP FOR A DENTAL INSURANCE PLAN AND FAQ’S

May 18, 2022

HOW TO SIGN UP FOR A DENTAL INSURANCE PLAN AND FAQ’S

image2-Copy-300x240

CLICK HERE for a list of insurances accepted at Summerlin Dental Solutions.

PEOPLE ASK:

How much is dental insurance?

Is dental insurance worth it?

How to get dental insurance ?

Does dental insurance cover implants ? 

How much is a dental cleaning without insurance ?

How to get dental implants covered by insurance ?

does insurance cover dental implants ?

How much does dental insurance cost?

what insurance covers dental implants ?

how does dental insurance work ?

How much does a dental bridge cost without insurance?

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

The American Dental Association (ADA) reports that over half of all individuals acknowledge that they have not been to the dentist as frequently as they should have been.

Why?

Mainly due to the expense. It is a fact that dental operations such as root canals, cavity fillings, and even straightforward cleanings are quite pricey currently, with out-of-pocket prices frequently going into the hundreds of dollars. Dental insurance might be of assistance in situations like these.

This article explores the steps that need to be taken before deciding on a plan and provides information on how to obtain dental insurance. Still unsure? We have the answers to some of the most often asked questions, which can instill confidence in you so that you can purchase and make effective use of your insurance policy.

Things to consider when purchasing a dental insurance policy

The process of acquiring insurance now just takes a few minutes thanks to the user-friendliness of modern websites. Follow the steps below to ensure that the option you choose will be suitable for your needs before opting for the plan that appears to be the most convenient (and affordable) option.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

First, we will determine who needs coverage.

Are you seeking for protection that just applies to you? Or,

do you have a partner or children for whom you will also require financial assistance to meet their dental costs?

If you fall into the second category, you have responsibilities for the people who depend on you. Determining just who needs dental coverage is step one. Are you happy to be an only child?

Proceed to the section on pre-existing conditions.

Did you know that dentists who work with children typically need to complete additional training in pediatric dentistry?

Because it requires a distinct set of expertise and training, this branch of dentistry is only included in some packages rather than others. If you believe that your children may require orthodontic treatment in the future at your Summerlin Dental office, full coverage plans are going to be your best option. When it comes to getting dental insurance for your children, you will need to have a general concept of what treatments are included in the plan as well as which pediatric dentists are part of your coverage networks.

SUMMERLIN DENTAL SOLUTIONS IS THE BEST COSMETIC DENTIST NEAR ME!

The second step is to gain an understanding of any pre-existing problems.

However, this only pertains to health insurance; it is still allowed for other types of insurance to exclude coverage for pre-existing diseases. The Affordable Care Act makes it unlawful for health insurers to reject coverage for pre-existing conditions. Regrettably, this measure does not explicitly mention dental insurance as a need for participation.

It's possible that your dental insurance claim might be rejected due to a pre-existing condition, which refers to an issue that you had with your teeth before you had dental coverage. Depending on the plan, a pre-existing ailment can include missing teeth or a previously confirmed case of gum disease. You will have an easier time finding insurance that covers you if you first determine whether you have a pre-existing condition.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

The third step is to create a budget for personal expenditures.

It is not hard to prepare a budget for dental expenditures if you first go through the features of the insurance plans and then compare them.

Find out how much your co-pay will be and how much of a deductible you will have to pay before your insurance begins to pay for anything. Because deductibles can reach upwards of $1,000, it is imperative that patients make every effort to save up the necessary funds before undergoing dental treatment. That wraps up the first section of your budget. A person's out-of-pocket costs for dental care are largely determined by the kind of dental insurance coverage that they have. The 100-80-50 guideline is frequently utilized in insurance plan design. Although there are few exceptions, the maximum amount that many plans are willing to pay out to applicants each year is often $1,500. Examine the many plan alternatives available to see which ones have out-of-pocket costs that are affordable given your financial constraints.

Step 4: Estimate the Length of the Waiting Periods

Anyone who is interested in acquiring dental insurance to have at your Summerlin Dental office can most likely start receiving cleanings or x-rays right now. However, you should be prepared to wait anywhere from six months to a year before receiving coverage for root canal therapy or treatment for gum disease.

Why?

At the end of the day, insurance companies are businesses. If these waiting periods did not exist, there would be nothing to prohibit individuals from enrolling in coverage for a period of one or two months just for the purpose of obtaining urgently required dental care, after which they would drop their coverage.

Waiting periods do not always indicate that more extensive dental work cannot be done immediately; nonetheless, individuals may be required to pay for the procedure out of their own money. Check once more your plan selections for any stipulations about waiting plans.

You have us fooled if you think that we are suggesting that you engage in a significant amount of reading. We are. But doing so will spare you a great deal of discomfort in the future.

Step 5: Determine if you want solo coverage or group coverage.

As of the end of 2016, the National Association of Dental Plans reported that around 250 million Americans have dental coverage.

These individuals were enrolled in one of two categories of plans:

  1. Plans provided by the public sector, like as Medicaid, which cover around 83.9 million individuals
  2. There are roughly 164.2 million persons covered by private and group health insurance programs.

What criteria do you use to make your decision? Individuals often get group plans through their workplaces or through organizations such as the AARP. Individual coverage is most likely what you'll go for if you're obtaining insurance on your own for the first time.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

Tips for Selecting the Right Dental Insurance Policy

After completing the processes in the preceding section, it is now time to choose an insurance plan. Here are the steps you need to take right now to guarantee that you will have the necessary coverage.

Get a Good Understanding of Your Coverage.

image1-Copy-300x245

Various kinds of dental care programs and policies

In most cases, there are three distinct categories for dental insurance policies to choose from. If you can determine which one is best for you, you can make the most of your money and ensure that you are not overpaying for the services you receive.

  1. DHMOs, which stand for dental health maintenance organizations, provide reduced rates but larger deductibles and a more limited network of dental care providers.
  2. Dental Preferred Provider Organizations, often known as DPPOs, charge higher premiums and deductibles, but provide access to a wider range of dental care providers.
  3. Dental indemnity insurance, which is becoming less widespread as a result, pay the highest rates, but they are free to visit any dentist they choose.

Regardless of the option you choose with, you will want to ensure that you have a clear understanding of exactly what the plan you chose covers and the percentage of covered costs that are reimbursed. You may often find further information on their website or in the literature that they provide you.

Indeed, you have it correct. Read on for more. Find a place to sit down where you won't be disturbed and start reading those insurance pamphlets.

Be aware of the dentists who participate in your insurance network.

If you do not get indemnity insurance, you will have limited options when it comes to choosing a dentist to treat you.

You are not prohibited from seeing dentists who are not part of your insurance network; nevertheless, doing so may result in additional costs for you. Consult the online network list of your prospective PPO or DHMO dental insurance plan if you are shopping for coverage. In most cases, dental practices will be aware of the insurance policies that they are able to take. Having said that, patients shouldn't let selecting a dentist who is part of their insurance network prohibit them from getting a second opinion.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

Determine the extent of your coverage.

Right now, you need to give some serious thought to how much insurance coverage you require.

A reasonably priced plan that costs no more than a couple of hundred dollars per year and includes a couple of cleanings will pay for itself. Since cleanings aren't very pricey and can even be obtained for a reduced fee at dental schools, the decision to forego dental insurance totally may seem appealing; nonetheless, we do not advise taking this course of action. The price of $20 or $30 per month for dental insurance is well worth it when one considers the comparatively modest cost of the coverage and its availability in the event of an emergency. After that, you will need to choose whether a PPO, DHMO, or indemnity plan is best for you, as well as how much of a deductible you are willing to spend each month for your coverage.

Reduce the number of options you have.

When looking into acquiring dental insurance that you will really utilize at your Summerlin Dental office, you are currently in the research phase. Check out possible insurers' ratings and reviews on the internet to determine whether or not there is a strong probability that they will honor any claims. Check out the evaluations of the dentists who are part of their network as well. If upgrading your plan would result in greater coverage and access to a more reputable dentist, it may be worthwhile to pay a little extra for the plan.

image0-Copy-300x238

dental insurance expenses

When you are ready to get dental insurance, the application procedure is rather simple and may often be completed in one of these three ways:

  1. By means of a job
  2. By using the services of an insurance broker
  3. On the website of a dental clinic

To reiterate, the labor done up until this point counts a great deal more than the real, straightforward business transaction itself.

When shopping for dental insurance, here are some often asked questions to consider.

Confused? Do you need further explanation on the advantages of having insurance? Here are some responses to some of the more often asked questions.

  1. Which plan offers the greatest dental coverage?

It's not quite that.

Finding the right dental insurance for you at your Summerlin Dental office requires taking into account a variety of aspects, such as the extent of your dental care requirements and your current financial standing.

It's possible that a high-deductible plan that covers routine checkups and cleanings, as well as urgent procedures like fillings and root canals, is the ideal dental insurance for younger individuals who have pretty healthy teeth. People who anticipate getting a significant amount of benefit from their dental insurance may, on the other hand, find that the same coverage makes their lives far more difficult financially.

  1. How do I acquire dental insurance?

Dental insurance may often be obtained through a number of distinct channels. After an initial waiting period at their employment, often lasting between 60 and 90 days, many individuals eventually become eligible for group dental insurance coverage. Others opt to get private dental insurance instead, either via the assistance of an insurance broker or by getting in touch with a dental insurance provider on their own. You may also acquire dental insurance by going online and purchasing it directly from the providers.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

  1. Is there an option for open enrollment with dental insurance as there is with the ACA?

This is partially dependent on whether or not the individual intends to acquire dental insurance in addition to their Affordable Care Act plan. If this is the case, then the answer is yes; however, a person is not restricted to just getting dental insurance during open enrollment periods if they so want. There are times throughout the year when coverage can be purchased. They are also eligible to get dental insurance via the Affordable Care Act after experiencing a qualified life event such as the loss of their employment.

You may get information on open enrollment periods by visiting Healthcare.gov or the websites of state-based exchanges, like as Covered California's website.

  1. How much would it cost for me to get dental insurance?

It is not always easy to determine how much money you will actually spend on insurance. Although monthly premiums may be less than $20, that figure only accounts for a portion of the total cost.

Before beginning to pay for covered expenses, the deductible for many insurance policies must first be satisfied on an annual basis. Other plans provide for specific procedures, such root canals or treatments for gum disease, to be paid for partially (but considerably) out of pocket, and it is common for you to be responsible for covering at least fifty percent of the cost.

The cost of premiums can range from around $360 to up to $680 per year for people and families, respectively

  1. If I buy an insurance now, would I still be able to use it tomorrow?

Yes, but resist the urge to play one over on the other person. There is a good reason why the regulations governing insurance are straightforward and frequently lengthy.

As was mentioned previously, the majority of insurance policies impose waiting periods on certain treatments, including as root canals. These waiting periods are designed to deter patients from signing up for insurance shortly before getting extensive dental work done and then abruptly dropping their coverage

Dental coverage is not like a subscription to a video streaming service or a membership to a fitness center. Do not even bother doing it since there is a high probability that you will be unsuccessful.

IMG_8760-1.jpg-MINNESOTA-PHOTO-1-300x249

GET TO KNOW YOUR BEST DENTIST IN SUMMERLIN

Dr. Marianne Cohan was voted The Best Dentist/ Dental Office and Best Cosmetic Dentist from The Las Vegas Review-Journal in 2020 and 2021. She received her Doctor of Dental Surgery (DDS) from the State University of New York at Buffalo in 1992.

With an emphasis on cosmetic dentistry, complete makeovers, and implant dentistry, Dr. Cohan is committed to continuing education and feels that we never stop learning.  Dr. Cohan takes pride in using high-powered magnification to perform minimally invasive restorative dentistry. She uses all the latest technological advances including digital radiography, digital photography, computer simulations, and high-resolution pictures of your proposed treatment on 55-inch screens.  She also utilizes CBCT (cone beam) and laser technology.

Dr. Cohan is always available to her patients and is available for any dental emergency.

 CLICK HERE TO SCHEDULE YOUR APPOINTMENT !

851 S Rampart Blvd #230, Las Vegas, NV 89145 | (702) 341-9160
851 S Rampart Blvd #230, Las Vegas, NV 89145 | (702) 341-9160