Do you feel dread when it comes time to talk insurance? Sometimes, families put off getting medical or dental care because dealing with insurance companies cause them so much stress! But don’t worry. Kangaroo Smiles understands that dental insurance in Lowell is a non-negotiable part of the pediatric dental experience. That’s why we’re here with some practical tips to get you started.
Lowell Dental Insurance: Basic Terminology
If you’re not sure what’s included under your child’s pediatric plan, the first thing to do is to call your insurance provider and ask. Children’s preventative care services (such as routine dental cleanings) should always be covered, but you should talk to your provider if you have specific concerns about certain treatments.
Each dental policy is different, but you should expect yours to cover some portion of the cost of major treatments, including root canals, oral surgery, crowns, fillings, and most (if not all) preventative care. Some dental insurances also pay for orthodontics and periodontics, or at least part of the cost for these services.
Here are some other commonly-encountered terms in the dental insurance world:
Dental Deductible – A deductible is a set annual amount that requires you to pay out-of-pocket until you have spent that amount. After you reach the deductible, services should be 100% covered by the insurance company.
Annual Dental Maximum – An annual maximum is essentially the reverse of a deductible. If you have a maximum, then you must cover your own costs for services after you reach that maximum (which could be between $1,000 and $1,500 for pediatric dental plans).
Dental Exclusions – A dental exclusion refers to a pediatric service not paid for by the insurance plan. Typically, an exclusion might be certain procedures, but would not apply to checkups and cleanings.
Kangaroo Smiles accepts the following dental insurances in Lowell. If yours is not included here, please give us a call anyway, as we are accepting new plans daily!
Aetna- Altus Dental
- Ameritas
- Assurant Dental
- Blue Cross
- Cigna
- Guardian
- Health Plans Inc
- HUMANA
- Iron Clad Insurance
- Local 103 IBEW
- Massachusetts Public Employees Fund
- Medicaid of Massachusetts
- MetLife
- Northern New England Benefit
- Principal Financial Group
- Sun Life Financial
- United Concordia
AetnaOur friendly staff can help you to navigate the insurance process so that you know what to expect early on.
Visit Kangaroo Smiles in Lowell, MA
At Kangaroo Smiles, our top priority is your child’s dental health. Our professional team provides comprehensive pediatric dental services in a friendly, stress-free environment.
If you’re trying to determine which practices take your dental insurance in Lowell, MA, please don’t hesitate to call us. To schedule your child’s appointment or to get in touch with one of our friendly staffers, please call (978) 425-1496 today!