Dental Insurance – Torrington, CT

A Healthy Smile Can Be Affordable!

Here at Torrington Dental Care, our team understands that many families in our area are concerned about the cost of oral care. That is why we do everything in our power to assure our patients that a healthy smile can be affordable. We welcome dental insurance, and we are even in-network with many popular plans. Whether you bought your policy on your own or have benefits through your workplace, you should view your dental plan as a precious asset. Our team is here to help you get the greatest possible value out of it.

How Dental Insurance Works

Happy patient talking to dentist

Every dental insurance plan has a unique set of details, stipulations, and fees. Therefore, we cannot say anything for certain about how your benefits work. What we can do is provide an overview of the coverage that is common among many PPO dental plans:

Preventive care is usually 100% covered.
Minor services are often around 80% covered.
Major services are typically 50% covered.
Cosmetic services are almost never covered.
Orthodontia is up to 50% covered on select premium plans.

Your policy may also enforce a deductible, a waiting period before you can use certain types of coverage, and an annual maximum (a yearly limit on your benefits).

Dental Insurance Benefits

Calendar next to tooth model and dental instruments

At the end of each calendar year, your dental benefits may expire. In most cases, there is no rollover provision. Any unused portion of your annual maximum may disappear forever! Therefore, if you want to get the most out of your annual benefits, it is important that you keep up with routine preventive care and schedule restorative services in a timely manner.

What Is the Difference Between Dental & Medical Insurance?

Person using pen to fill out insurance form

Dental and medical insurance cover different aspects of your overall wellness. Medical insurance may cover some major oral procedures, but it does not usually apply to things like cleanings, checkups, fillings, and other routine services. Dental insurance does cover such services because it has a strong focus on prevention. In some cases, there is a bit of crossover between medical and dental coverage. For example, they both might cover certain types of oral surgery.

In-Network vs. Out-of-Network

Dentist standing next to front office desk

If you have a PPO dental insurance plan, you are free to visit virtually any dentist or dental specialist. Whether or not we are in your network, we warmly invite you to visit us for top-quality care in a welcoming environment.

In-Network Coverage

Happy patient looking at dental team member

Being in-network means we have a contract with a specific dental insurance company that manages pricing and promotes a certain level of care. Often, patients pay less out of pocket at in-network practices.

At Torrington Dental Care, we are in-network with:

Delta Dental
Anthem BlueCross BlueShield
MetLife
Cigna
United Healthcare
Aetna
Guardian
Sun Life
United Concordia
Assurant
And many more — call us to find out if we participate in your specific plan.

Out-of-Network

Happy patient looking over her shoulder

Even if we are not in your plan’s network, you can still use your PPO benefits in our practice. You may be able to enjoy many of the same perks that you would at an in-network practice. Remember, choosing a dentist you trust is more important than network status!