Dental Insurance – Mankato, MN

Understanding How Dental Insurance Works

Dental insurance coverage is based on preventing oral health problems instead of treating them when they occur, making it a bit different to navigate compared to health insurance. There are also a few key terms to keep in mind when navigating your plan that you should commit to memory:

• The maximum is a capped-off amount of money that your insurance company will pay out for treatment over the course of a calendar year.
• The deductible is a set amount of money that your insurance provider requires you to pay out-of-pocket before your benefits kick-in.
• The premium is the monthly or annual amount of money that you pay for coverage.

What Does My Dental Insurance Cover?

Dental insurance is primarily focused on prevention, and the average insurance plan’s coverage structure mirrors that. They typically cover 100 percent of routine care, like checkups and cleanings, 80 percent of basic treatments, like cavity fillings, and 50 percent of more invasive care, like tooth extractions. However, it’s important to keep in mind that coverage varies drastically from plan-to-plan, so it’s a good idea to contact your provider directly to learn if a certain treatment will be covered.

Our In-Network Dental Insurance Providers

At Hyland Dental, we’re proud to be in-network with most major dental insurance plans. That means that we’ve signed a contractual agreement to provide discounted rates and fees to patients who receive care from partnered dental healthcare providers. We’re also happy to file claims on our patients’ behalf, even if they’re out-of-network, to help maximize their coverage.

We're in-network with the following plans:

• Delta Dental
• United Healthcare
• Blue Cross Blue Shield/Anthem
• United Concordia
• Cigna
• MetLife
• Preferred One
• Aetna
• Ameritas
• GEHA
• Health Partners
• TriCare
• Sun Life
• Formula