Dental Insurance – Ann Arbor, MI
Your In-Network Dentist for Affordable Care
The American Dental Association recommends everyone visits their dentist in Ann Arbor twice a year for a healthy smile. Unfortunately, too many people delay scheduling an appointment because they fear an unexpected bill. If you have dental insurance, there is no need to worry. You will enjoy cost-savings opportunities to get the services you need. With routine care, you will keep your teeth and gums healthy to reduce your long-term dental costs. Dr. James Olsen is proud to be in-network with many leading insurance carriers to help you maximize the value of your policy.
How Dental Insurance Works
Every month, you pay premiums to benefit from comprehensive dental coverage to maintain your oral health. After paying your yearly deductible, you are given an allowance to use toward restorative procedures to quickly resolve any complications that may arise. Throughout the year, you can visit your dentist for little to no out-of-pocket expense. Depending on your specific policy, your coverage may include:
- 100% coverage for preventive care, including cleanings and checkups.
- 80% coverage for minor restorative procedures, like fillings.
- 50% coverage for major restorative procedures, such as root canals.
What is the Difference Between Dental and Medical Insurance?
Medical insurance tends to focus on treating issues after they have developed while dental coverage is designed to prevent problems from occurring in the first place. By doing so, it reduces the need for a costly or invasive treatment in the future.
In-Network vs. Out of Network
Dr. James Olsen is proud to work with both in-network and out of network patients.
It is recommended you use a dentist who is in-network with your policy. This means they have pre-negotiated rates with your insurance company to limit the costs of treatments. Dr. Olsen and his team will help you use your benefits to their full potential. He is proud to be in-network with:
- Delta Dental Premier
- BlueCross BlueShield
Out of Network
Although it is often best to see a dentist in your network, you still have the freedom to choose one who is not. You can still use your dental insurance; however, you will need to pay the difference between your insurance’s allowable coverage and the dentist’s fees.
Make the Most of Your Insurance Today!
Dr. Olsen and his team strive to provide affordable care to the community. Our office accepts both in-network and out of network patients. We will work on your behalf with your insurance company to handle the necessary files, claims, and negotiations to reduce the amount you will pay out-of-pocket.
With yearly maximums and limits strictly enforced, we will help you get the services you need while staying within your budget—even if we need to split treatments over calendar years.
If you have any questions about your coverage, our team is ready to help. Contact us today to speak with our insurance specialist. We look forward to seeing you smile.