Dental Insurance Wilmington Plans and Benefits Explained

Dental insurance is a vital investment for anyone seeking to maintain good oral health. In Wilmington, you can choose from a variety of plans that cater to different needs and budgets.

Most dental insurance plans in Wilmington cover routine cleanings and check-ups, which are essential for preventing dental problems. These plans often include two cleanings per year, one for adults and one for children.

Some dental insurance plans in Wilmington also cover major procedures like fillings, crowns, and root canals. These plans may have a separate deductible and coinsurance for major procedures.

In addition to these benefits, some dental insurance plans in Wilmington offer additional perks like orthodontic coverage for children and discounts on certain procedures.

If you have dental insurance, you're in luck because many dentists in Wilmington accept major insurance providers. Wilmington Dental Studio, for example, accepts Blue Cross.Blue Shield, Delta Dental Premier, and Cigna Total DPPO.

You should verify that your insurance provider is accepted by your dentist before your appointment. This will ensure that you're covered for the services you need.

Some dentists also offer in-network savings, which can make your dental care more affordable. Grand Dental - Wilmington, for instance, is in-network with several providers, including Aetna PPO, Delta Dental Premier, and Cigna PPO.

If you don't have dental insurance, you may want to consider a dental health plan. Cape Fear Smiles, for example, offers an annual membership plan that covers two exams, two cleanings, four BWX, and three PAs per year.

The annual membership fee for the Individual Non-Periodontal plan is $375, while the Individual Periodontal plan costs $799.

Here's a breakdown of the services included in the Cape Fear Smiles Dental Health Plan:

Keep in mind that the annual membership fee is non-refundable and must be paid in full upon joining the program.

Most dental insurance plans follow a 100-80-50 coverage structure, covering 100% of preventive treatments, 80% of basic services, and 50% of more serious procedures.

Preventive treatments, like checkups and cleanings, are usually fully covered by dental insurance plans.

The 100-80-50 structure encourages people to prioritize their oral health and hygiene to avoid costly, invasive treatments.

If you don't have dental insurance, consider an annual membership to a low-cost, in-house Dental Health Plan, like the one offered by Cape Fear Smiles in Wilmington, North Carolina.

Their plan has two membership options: Individual Non-Periodontal and Individual Periodontal, with fees of $375.00 and $799.00 per year, respectively.

Here's a breakdown of what's included in each plan:

Some important notes to keep in mind: the annual membership fee is non-refundable, and you must pay all fees at the time of service to avoid higher charges.

Regular care and maintenance is crucial to keeping your teeth and gums healthy. With dental insurance Wilmington, you can expect regular checkups and cleanings to be covered.

You'll have 2 checkups and cleanings per benefit period, which is a great way to stay on top of your oral health. This frequency helps prevent problems from developing in the first place.

If you're a North Carolina resident, you're eligible for Dental Blue for Individuals, regardless of age. This plan covers you and your dependents.

To be eligible, you must not already be covered under another Dental Blue for Individuals policy. You can only enroll in one plan, whether you're the subscriber or the member.

Here are some key points to keep in mind about eligibility and enrollment:

If you're eligible, you can enroll in the plan. Just keep in mind that you'll be responsible for charges above the allowed amount, in addition to any deductible and coinsurance applied.

Our team is happy to help you navigate your dental insurance plan. We'll work with you to maximize your benefits and make dentistry more accessible and hassle-free.

We're more than happy to answer any questions you have during your appointment, so don't hesitate to ask. We'll help you understand what your plan covers and how to get the most out of it.

Contact our dental office to get started, and we'll do our best to make dentistry affordable for you.