Dental Insurance

So, you don’t have a dental insurance? Well, firstly do not worry because you are not alone. Dental expenses can be high and not having an insurance is certainly a deterrent for many American from going to the dentist for regular dental care. Did you know that 1 in 3 Americans do not have a dental insurance? Do not let, not having a dental insurance stop you from taking good care of your teeth.  

Good oral care is important and not taking care of it or neglecting it can impact your overall health as you age. Poor oral health has been found to have linkages with poor cardiovascular health, diabetes and even Alzheimer’s disease. Basic oral hygiene can only do so good. It is important to visit a dentist regularly. So, whether you have a dental insurance or not, you must visit a dentist at least twice a year for a comprehensive examination. If you are in Saginaw, Texas you can take an appointment with us at Ensure Dental Care at the number listed below or simply walk in to our dental clinic. 

How to manage dental care costs without a dental insurance? 

Here are some ideas on how you can manage your dental care costs without an insurance – 

1. Dental membership plans – To overcome this problem many dentists across the length and breath of USA offer their own payment packages for their patients. Generally, what this entails is paying a fixed amount to the dentist every month or year akin to a membership plan of a club. In return the dental clinic offers a package to the patient which can include a bouquet of services like annual checkups, x-rays, cleaning of teeth etc. These will vary from dentist to dentist. These may be managed by the dental clinic on their own or via a third party.  

2. Payment plans – Many dentists offer their patients options to pay for their dental care expenses in small and manageable installments every month. This benefits the patient as these do not upset their monthly household budgets. On a corporate level there is Sunbit payment plan which also offers this facility by giving a loan for a period of 3,6 and 12 months after doing a soft credit check of the patient. This is a fast method of getting the required finance and you can take it even before visiting the dentist. 

3. Deals and coupons – Always be on the look out for deals and offers from dental clinics. You can find those in newspapers or on the social media handles of the dental clinics online. We at Ensure Dental Care also advertise our discounts, offers and other deals on our social media handles on Facebook and instagram (handles given below). If you are a resident of Saginaw, Tx or even live near Fort Worth follow us and you will be always be updated about our latest offers.  

4. Free Dental clinics – Many non-profit organizations and even professional dental organization offer free dental services on certain days of the year. Some cities also have non-profit clinics for those whose income is low or those who don’t have a dental insurance. However, it is not easy to get into these as there can be long waiting periods and sometimes the free services offered are for a particular group of people like the senior citizens or the disabled. There also exist public dental clinics that are funded by the state or local health authorities, these are funded by the tax paid by the citizens and offer low prices for services like cleanings, x-rays and root canals. 

5. Dental credit cards – These are like any normal credit card except that they can only be used to make payments to dental clinics. Finance companies like CareCredit give the uninsured people a method to make payments to the clinic while deferring the repayments for themselves. Like credit cards however these companies can charge a high interest if the repayment is not done in time.  

6. Dental schools – This may seem like undergoing an experiment however in most dental schools the students perform these activities under the supervision of trained and expert professors. Also, one benefit is that these dental schools have the best cutting-edge technology. The cost of going to a dental school may be a fraction of what it costs going to a dental clinic and sometimes the dental clinic may even pay you to undergo those procedures. 

Make sure you check if your employer offers any dental benefits and sometimes other insurances like Medicaid or certain children’s health insurance programs may be covering some dental procedures. You need not stick to just one of the above option and you can always mix and match these to suit your own requirements. 

Did you learn something new today? If you enjoyed reading the blog, then don’t forget to recommend and share it with your family and friends who may also benefit from this information.  

Ensure Dental Care is a family dentist near you. Ensure Dental Care is the one of the best family dental clinics located in Saginaw Texas. We also get patients from Fort Worth. We accept all major insurance providers. We have an in-house payment plan; Sunbit payment plan and accept care credit too. We have a very experienced and professional team of dental practitioners and we look forward to serving you to the best of our abilities. Ensure Dental Care offers emergency dental services. Irrespective of the problem we offer same day emergency treatments. We also offer comprehensive dental exam in Saginaw Tx. We entertain walk ins as well. If you wish to know more about this subject or you want to avail any of our services, please call Ensure Dental Care on 682-213-4114 for an appointment today.  

We would love to hear from you. If you want to interact with us or give feedback and suggestions about our website, content or services on social media you can follow us on instagram. Our instagram handle is @ensuredentalcaresaginawtx. Look out for exciting offers, deals and more fun stuff on our social media handles. We look forward to interacting with you on instagram and Facebook soon.  

We are all aware that most insurances work as a safety net for some unfortunate, unforeseen events and expenses. Dental costs are also one such expense and can be a strain on the pocket. Hence dental insurance is important. Dental insurance is a little different from other kinds of insurances in a way that it works more like a discount coupon.  

We have discussed different aspects of a dental insurance in a number of our blogs like Things you should know about your dental insurance, How to get the best out of your dental insurance and Preventive dental insurance. If any of these topics interest you, we encourage you to read these blogs too after reading this one. 

Ensure Dental Care is a Preferred Provider Organization or PPO for MetLife Dental Insurance and this blog is about the features and benefits of this program. 

MetLife companies have a rich experience of 153 years and are a recognized market leader in the field of savings solution, protection planning and retirement. MetLife offers different kinds of insurances like life, accident and health. They are trusted by millions of customers world-wide.  

What is this PPO program and how will this benefit me? 

MetLife Dental Insurance has tie ups with thousands of general dentists and specialists across the length and breadth of the country. We are proud to inform that Ensure Dental Care is one such Preferred Provider Organization (PPO) for MetLife Dental Insurance at Saginaw Texas. 

The PPO program of Metlife is designed in such a way that you the customer can not only save your money on dental treatments but also get to choose the dental services of any in network dentist of your choice with minimal paperwork involved.   

PPOs in general cover a large number of services and procedures; preventive care is often covered 100% with the in-network dentists. Other procedures can have different coverages ranging from 50% to 80% of the total cost. The coverage can also vary from plan to plan. 

We are aware how expensive dental care can be hence it is a good idea to invest in a dental insurance that helps prevent future major dental problems. The dental insurance which covers the cost completely or partially of any preventive measures comes under preventive dental insurance. These generally include:  

1. Oral exams 

2. Teeth cleanings 

3. X-Rays 

4. Fluoride treatments 

5. Sealants 

With regular preventive checkups there is good chance that one is less likely to develop serious oral diseases like gum diseases, cavities, tooth decay etc. However, you must keep in mind the annual maximum of your dental insurance plan because you would not want to go overboard, otherwise you will end up spending from your pocket as well.  

What is more is that emergency dental care will be accessible to you 24 hours a day 7 days a week. In case you are not able to reach your preferred dentist you can always go to any licensed dental care professional. The extent of coverage and what constitutes emergency dental care may vary from plan to plan. Refer to your policy document for these details. 

If you need to meet a specialist you can always go to your preferred dentist if he/she provides the service or you can get a reference of a specialist who is also an in-network dentist from them. Also, you would not need any preauthorization and can directly call the specialist for the appointments.   

The best part of MetLife Dental Insurance’s PPO plans is there is absolutely no paperwork involved in getting your claims irrespective of whether you go to a dentist within their network or even outside their network. They have a secure website for their members offering a convenient service. 

How do I find a dentist who is in-network? 

You can search the online directory on the website of MetLife Dental Insurance (https://www.metlife.com/insurance/dental-insurance/). You can search by zip code, names, specializations, locality and even languages.  

Ensure Dental Care your family dentist in Saginaw Texas just 15 minutes from Forth Worth Texas offering professional and top-notch dental services to MetLife Dental Insurance customers. We also accept other insurance providers. We do have inhouse payments plans too. We have a very experienced and professional team of dental practitioners working non-stop to provide you the best service possible. Patients can benefit a lot on the cost of dental expenses because the tie up offers negotiated fees, which can be typically 30-45% less than average costs offered by other dentists. 

We at Ensure Dental Care will take also take care of spreading your treatments across the whole calendar year in such a way that your out-of-pocket expenses are kept at the minimum.  

In conclusion we would like to say a dental insurance from Metlife can save you a lot of time, money, effort and pain in the long run. Please make sure you read the fine print in detail and understand what a plan covers and does not cover in order to choose the right plan for yourself and your family members. Also remember you save the most when you go to an in network dental service provider.  We at Ensure Dental Care have established this tie up with Metlife Dental Insurance with the express intention of offering you the dental services you deserve without having to worry about expenses or paperwork. 

If you want to take advantage of this, we suggest you give us a call on 682-213-4114 for an appointment today. You can always call Ensure Dental Care for any dental queries. Ensure Dental Care your Saginaw Dentist offers emergency dental services. Regardless of your issue we offer same day emergency treatments. We entertain walk ins also. Choose MetLife Dental Insurance and choose Ensure Dental Care. 

We accept all other major insurance providers also. We also have in house payment plan.  

We hope you this blog was informative and useful to you. Please share it with your family and friends if you liked it. If you want to interact with us on social media or give any suggestions you can also follow us on instagram for offers, deals and more fun stuff. Our instagram handle is @ensuredentalcaresaginawtx. We look forward to interacting with you on the instagram soon.  

To be honest dental insurance does not come cheap and one must know how to get the best out of one’s dental insurance. After all, it is your hard earned money! Here we give you some tips that will save your money.

1. Choose the right plan – Before you take a dental insurance, make sure you understand what the plan covers and does not cover and also read the fine print about any waiting periods or emergency service coverage, % of coverage for different procedures and treatment for pre existing issues. Choose the plan that suits your requirements the best and suit your pocket also.

2. Most services that you may avail will not be classified as emergency so you would know about it before hand for example a root canal. Ask your insurance provider to give you a guesstimate. You may have to route your request via your dentist and the insurance company will give you a statement on what they will actually pay. This will help you plan your finances for the procedure well in advance without you breaking into a sweat later.

3. Most insurance companies have an upper limit on the expenses for every policy holder in a year. Know that so that you can prioritize your procedures. They also have a cap on no. of visits, no. of routine procedures and no. of X-rays etc allowed in a year.

4. Visit to a regular dentist is billed differently from a visit to a specialist.

5. Check which services are covered 100% in your plan. These generally include your twice a year visit to the dentist for examination and cleaning. Don’t waste these as these benefits elapse every year in December.

6. Go to an in network dentist to enjoy the highest coverage and reduced rates on anything you may have to spend out of your pocket.

7. Prices for dental treatments can vary from dentist to dentist. Make sure you do a little research before settling on where and when to do your treatment.

8. If you have a flexible spending account (FSA) in addition to your dental insurance use it for dental treatments before it expires.

You can take help from your dentist’s office to understand the plans better. They can also assist you information on costs of your dental treatments. Call us on 940-274-6181 for an appointment and we will guide you. Follow us on instagram @ensuredentalcaresaginawtx for more.