Dental Insurance from Your South Arlington Dentist
If you’ve been searching for an insurance dentist in 76017, then search no more. At I-20 Family Dental, Dr. Stephen Wardlaw is part of the Cigna Dental Radius Network® and Guardian Dental Insurance. With either of these plans, you’ll pay no more than the copayment that is specified by your coverage.
In-Network Arlington Dentist
As an in-network provider with both of these insurance carriers, Dr. Wardlaw has agreed to accept their pre-determined fees for covered procedures. This means that after satisfying your deductible and paying the coinsurance payment, you owe nothing more.
Dental Insurance Fundamentals
Although the details of your insurance plan may make your coverage different from your friends and neighbors, there are some basic parameters that apply to all.
First, most dental insurance plans have a maximum that will be paid toward your dental needs during a specified time frame, which is usually a calendar year. And while you don’t want to go over the maximum (you’re responsible for paying the overage) you also don’t want to be way under. If you are, then you’re paying for benefits that you and your family are not using.
For this reason, South Arlington dentist Dr. Wardlaw encourages his patients to schedule biannual dental checkups for each member of the family. These preventive appointments, along with several other preventive and restorative procedures, are typically part of your dental insurance coverage.
Secondly, like almost any other type of insurance, dental insurance has a deductible. This means that you must pay for a portion of your dental care before your insurance kicks in to cover the cost of any dental service. This requirement usually begins again at the start of each New Year.
Finally, you will need to pay a co-insurance fee. Often called the copayment, this is your out-of-pocket expense for a particular service. Cigna pays a negotiated percentage of the cost for your procedure and then you must pay the balance. A copayment is due at the time of service and is required even once you’ve satisfied your deductible.
Dental Services at I-20 Family Dental
Dr. Wardlaw and his team offer a complete menu of dental services including general, restorative and cosmetic dentistry, as well as dental implants, periodontal disease therapy and Invisalign®. Our front office will be glad to help you determine the procedures that are included in your Cigna Dental Radius Network® plan.