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Dental Insurance – Delafield, WI

Keeping Out-of-Network Care Affordable

Woman after using dental insurance in Delafield

At Bionica Dental Wellness of Delafield, Dr. Holinbeck and her team believe in offering top-of-the-line, exceptional, holistic dental services that are designed to improve a person’s oral and overall health. Although services can be expensive depending on the treatment you receive, it is important that patients not be limited simply to what their dental insurance in Delafield allows. While our dental office is not in-network with any particular company, we do welcome patients with dental insurance who are comfortable with their dentist being out of network but who delivers timely and appropriate treatment that will make a significant difference in a person’s life. Contact us today to learn more or to schedule an appointment.

How Dental Insurance Works

Dentist showing X-rays in Delafield

Dental insurance is a worthwhile investment and offers individuals the chance to receive dental care that is more affordable. Typically, those seeing an in-network professional will pay less at the time services are rendered; however, for those seeing an out-of-network dentist, this usually means paying the entirety upfront but having staff file a claim for possible reimbursement.

A few key points to remember include:

What is the Different Between Dental and Medical Insurance?

There is a significant difference between dental and medical insurance. Although they work similarly in that you are expected to pay a monthly premium for access to benefits, the emphasis on certain treatments varies greatly.

With medical insurance, you receive more coverage for hospitalizations, lab testing, or surgical procedures. Wellness visits do not contribute much to your deductible, as the focus is more on reactionary care, not preventive.

Dental insurance, however, is the opposite. Insurance companies want patients to focus more on preventive care because this lowers the chances of them paying more for restorative or emergency dental treatment. This is why there is a higher percentage of coverage for checkups and cleanings and other preventive services.

In-Network vs. Out of Network

Dentist in Delafield smiling

When reviewing your plan’s benefits coverage, you’ll notice there are two columns: in-network and out-of-network. Here is a brief breakdown of the two options.

In-Network Coverage

When choosing an in-network dentist, you’ll find that on the day of treatment, you’ll pay less because of their pre-negotiations with that particular carrier regarding fees and services. This can be beneficial for some; however, it also limits the patient’s care based on their budget, which can ultimately hinder their oral and overall health. If they would benefit more from a particular procedure but it is not covered by insurance, it could mean worsening problems over time.

Out of Network

By choosing an out-of-network dentist like Dr. Holinbeck and the team at Bionica Dental Wellness of Delafield, you are not limited as to what kind of services the insurance carrier will cover. Instead, you are free to see a professional who will take note of your oral and overall health and recommend the appropriate treatment, making sure it addresses the issue and ensures a healthier, longer-lasting smile. Not to mention, seeing an out-of-network dentist also:

You may also find it helpful to know that Dr. Holinbeck offers a wellness plan as an affordable alternative to dental insurance. Instead of focusing on waiting periods, deductibles, annual maximums, pre-existing conditions, or pre-authorizations, you can enroll in this membership plan for one yearly fee.