Dental Insurance Plans
In Minnesota, there are two main types of dental insurance plans: Indemnity Insurance plans and Managed Care plans. Also known as PPOs (Preferred Provider Organization)
Indemnity Insurance Plans
Typically, Minnesota Indemnity plans offer a broad selection of providers, where the insurance carrier pays for covered services after it receives a bill. Lifesmiles Family Dentistry can bill the insurance carrier for you. **
Managed Care Plans
Managed Care (PPO) plans typically have a specific list of individual dentists or dental clinics they prefer. These plans are also referred to as PPOs or PPO Plans (Preferred Provider Organization). In some cases Lifesmiles Family Dentistry is part of that network. Because many Managed Care (PPO) plans minimally cover many services, it is important to know if the Dental Treatment you require will be covered by your policy. If it is not covered, then you should consider selecting Dr. John Gawlik and the team at Lifesmiles Family Dentistry to manage your Dental Care for the treatment required. **
Insurance Through Your Employer
Often, a business will offer their employees a choice between an Indemnity plan or a Managed Care (PPO) plan, giving people a broader range of options for coverage and cost for their oral health care. Often times, a Managed Care (PPO) plan is less expensive for employers or employees because the participating doctors accept a high volume of patients for a discounted rate. However, this type of plan will severely limit the patient’s choice for care. Wait times for appointments, even emergencies can be lengthy, leaving patients in pain, or without necessary oral care. In this case, “you get what you pay for” becomes true.
Whereas Indemnity plans may cost a bit more, they typically provide patients with a wider range of providers and services that are available to patients when they require it. For those employees who wonder “Which type of Dental insurance is best for me?” They can answer their own question by knowing the type of service, continuity of care, convenience, and overall end costs they desire. To many, having a Dentst and Oral Care Team you trust, and can access, is very valuable.
Please Contact Lifesmiles Family Dentistry today for help with your most important dental insurance questions.
** Patients are ultimately responsible for any expenses not covered by their insurance provider. It is important to know your own individual policy. The patient’s responsibility for payment is not assumed by Lifesmiles Family Dentistry.