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Dental Insurance – Texas City, TX

Using Your Dental Insurance with Us

Woman with healthy smile thanks to preventive dentistry covered by dental insurance

We pride ourselves on being an insurance-friendly dental office here at Stephen C. Hale, DDS. We strive to provide care that local families can easily afford, which is why we’re in-network with several PPO plans and put in the effort to help our patients get every dollar they deserve from their policies. To learn a few ways you can get the most out of your insurance with us, be sure to read our short and informative guide below. If you have any questions about your particular insurance, you’re always welcome to give us a call.

Understanding How Dental Insurance Works

Woman smiling after dental treatment

The keyword to understand when it comes to dental insurance is prevention. Most plans are designed to help patients pay for routine care so they can be proactive and stop many issues from developing in the first place. This not only leads to better oral health, but less money spent on dentistry over time as well. While preventive services receive the most coverage, insurance can also be used to offset the cost of procedures used to repair or replace teeth, but at a lower rate.

What Your Dental Insurance Plan Covers

Father and son smiling together outdoors

Each dental insurance plan has its own unique benefits, but most tend to follow the 100-80-50 structure, which looks something like this:

  • Preventive Care is covered 100% (checkups, cleanings, X-rays)
  • Basic Restorative Care is covered 80% (fillings, root canals)
  • Advanced Restorative Care is covered 50% (crowns, bridges, dentures)

This is why we advise our patients to primarily use their plans to pay for preventive services, as these not only cost less, but they also enable a patient to avoid needing more extensive (and expensive!) procedures over time.

Our In-Network PPO Dental Insurance Providers

Two men laughing together while riding bikes

Our dental office is able to offer our patients such great savings with their insurance largely because we’re in-network with so many providers. This simply means that we have a contract with each insurance company to offer our services for pre-set fees, which they then partially cover. One of the easiest ways to maximize your insurance is to visit a dental office that is in-network with your plan, and as you’ll see below, we make this nice and easy for Texas City families!

We are in-network with the following dental insurance providers:

  • Aetna
  • Assurant
  • Careington
  • Cigna
  • Delta Dental
  • Dental Select
  • Guardian
  • GEHA
  • Humana
  • MetLife
  • Principal
  • Ameritas
  • United HealthCare
  • Dental Network of America
  • Physician's Mutual
  • And many more!

Don’t see your plan? We likely take it! Reach out to our team today!