Dental Insurance Waco

Affordable Dentistry You Can Trust

Person filling out paperwork for dental insurance in Waco

If you have a private dental insurance policy, you understand how important it can be to keep your out-of-pocket expenses minimal when visiting the dentist’s office. With costs rising all around us, finding ways to save is more essential than ever before. However, negating treatment altogether should never be an option, and it is why Heart of Texas Smiles General & Cosmetic Dentistry is pleased to be in-network with multiple dental insurance companies. If you are curious about how your policy works, don’t hesitate to reach out to a member of our Waco dental team for help.

Understanding How Dental Insurance Works

Two people looking at dental insurance information on tablet

A typical dental insurance plan will require a monthly premium that you will be required to pay to gain access to your available benefits. Most plans are good for one year and have an annual deductible that you must meet before greater coverage is offered by your insurance provider. Also, you will have an annual maximum that is the allotted amount your insurance company will agree to pay in a single year. Once you’ve met your deductible, you can expect the preventive and restorative services you receive to cost you less.

What Does My Dental Insurance Cover?

Reading glasses resting on dental insurance paperwork

No two dental insurance policies are the same; however, the benefits found in many of these plans look somewhat similar, such as:

  • 100% preventive services
  • 80% minor restorative services
  • 50% major restorative services

How certain services are categorized is based on the negotiations conducted between Heart of Texas Smiles General & Cosmetic Dentistry and the insurance company. Also, if you need orthodontic treatment, you’ll likely be required to purchase a separate policy.

Our In-Network Dental Insurance Providers

Person handing a payment card to their dentist

To keep costs low for our patients, we are in-network with many different insurance companies. This allows us to pre-negotiate fees and services so that individuals do not have to worry about emptying their savings accounts before undergoing preventive or restorative dental care.

Programs we are participating providers with:

  • Aetna
  • Ameritas
  • Blue Cross Blue Shield of Texas
  • Cigna
  • Guardian
  • Humana
  • MetLife
  • Principal
  • United
  • United Concordia
  • And more!