Dental Insurance – Louisville, KY

Cutting Down on the Cost of Your Dental Care

Dental receptionist explaining dental insurance in Louisville

At Hurstbourne Dental Care, we welcome your dental insurance in Louisville because we understand how costly certain treatments can be. Whether you enroll through your employer or purchase a plan independently, you’ll find that your plan focuses primarily on preventive care because of its ability to minimize restorative services while also helping you maintain better oral health throughout the year. Our experts are here to answer your questions and help you better understand your plan, so make sure to call us if you need help using your dental insurance.

How Dental Insurance Works

Up-close view of a keyboard with dental insurance button

When looking at your plan, you will find that most companies build their policies so that preventive care receives the highest level of coverage. Although the specifics of each insurance company and plan are different, you may find that your plan looks something like the following:

  • 100% preventive care covered
  • 80% minor restorative care covered
  • 50% major restorative care covered

These percentages can vary depending on your plan; however, preventive and restorative care are often the only types of dental services that are covered by dental insurance companies. Cosmetic solutions are usually deemed “elective,” and orthodontics may require a separate plan to receive adequate coverage.

What is the Difference Between Dental and Medical Insurance?

Some people are surprised to learn there is a difference between medical and dental insurance. When enrolling with a medical insurance plan, you’ll notice your benefits are designed to address emergency care and more serious health problems. Wellness visits do not often provide a high percentage of coverage, but emergency room visits, hospitalizations, lab imaging, and other similar services can be where you find your biggest savings.

Dental insurance on the other hand is the opposite. Instead of waiting until a problem occurs, it encourages patients to seek preventive care to reduce the chances of cavities, tooth decay, gum disease, and other problems that require restorative and emergency treatment.

The biggest savings you are likely to receive with your dental insurance are on dental exams, cleanings, and other preventive services.

In-Network vs. Out-of-Network

Older man looking at smile in the treatment chair

As you review your dental insurance plan, you’ll see there are two columns – in-network and out-of-network. No matter which one you have, you can expect our team to assist you with better understanding the cost of your treatment as well as help you claim any available benefits.

In-Network Coverage

Seeing an in-network dentist like ours at Hurstbourne Dental Care allows you to save more when receiving preventive or restorative care. Our partnership and contractual agreements with the following companies make it possible for us to keep our fees low so that you pay less each time you come in for an appointment.

The dental insurance plans we are currently in-network with include:

  • Cigna
  • Humana
  • Delta Dental
  • Guardian

Out of Network

If we are not in-network with your dental insurance company but instead are out of network, there is no need to worry. We will still help you enjoy your available benefits and work to get you the maximum reimbursement. When visiting our office, you will likely pay more out of pocket; however, you will receive the same great service and care from our dental team.