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Dental Insurance – Collegeville, PA

Your Quick & Easy Guide to Using Dental Insurance

How well do you understand your dental insurance? Are you getting the most out of it? While most patients are usually unsure, we’re ready to help you answer this with a resounding “Yes!” here at The Dental Spot of Collegeville. We accept a long list of popular plans, and not only that, but we actively help our patients maximize their benefits so they can take great care of their teeth and wallet whenever they come to see us. Be sure to read our short dental insurance guide below, and go ahead and give us a call if you have any questions.

Understanding How Dental Insurance Works

Person calculating dental insurance coverage

While medical insurance is more about helping people deal with unexpected health issues (a car wreck or heart attack), dental insurance is notably different, in that its main focus is prevention. The idea is that by making routine care easily affordable, a patient will be able to stop most dental issues before they start and take care of minor ones early. In the end, this approach results in a healthier mouth and less money spent on dental care overall—a big win-win for policyholders.

What Your Dental Insurance Plan Covers

Woman in dental chair laughing with dentist

Most dental insurance plans follow what is called the “100-80-50” structure, which looks something like this:

  • Preventive care (checkups, cleanings, X-rays) is covered 100%
  • Basic restorative care (fillings, bonding) is covered 80%
  • Advanced restorative care (crowns, dentures, root canals) is covered 50%

Because cosmetic procedures like veneers and whitening are elective, they typically are not covered by insurance. Based on these numbers, this is why we recommend that most patients primarily use their plans to pay for preventive services.

We Offer In-Network Savings & Welcome Out-of-Network Providers

Man checking in at dental office reception desk

Whether we are in-network with your insurance plan or not, we’re ready to help you use it to save at your next appointment at The Dental Spot of Collegeville. If we’re in-network with your plan, you’ll gain instant access to your benefits and can trust you’re getting the best rates. If we’re out-of-network, we’ll file your claim quickly to ensure you’re reimbursed right away.

We are in network with the following providers:

  • ACS Benefit Service
  • Aetna Health Management, LLC
  • Allied National
  • Always Care
  • American Benefit Corporation
  • American Trust Administrators, Inc. (ATA)
  • Ameritas
  • Ameritas Life Insurance Corp
  • Ameritas Life Insurance Corp of New York
  • Argus Dental Plan
  • Assurant/DHA
  • Benefits Assistant Corporation (BAC)
  • Benefit Plan Administrators (BPA)
  • Best Life and Health Co.
  • Chesterfield Dental
  • Cigna
  • Citizens Security Life Insurance Co.
  • Colonial Life Insurance Company
  • Commercial Travelers
  • ComTon, Inc
  • Consociate
  • Connection Dental
  • Corporate Benefit Services
  • Covenant Administrators, Inc.
  • Custom Design Benefits
  • DeCare/Wellpoint
  • Dental Network of America, LLC (DNoA)
  • Dunn and Associates
  • Employee Benefits Services Center
  • Epic Dental
  • First Benefit Administrators
  • First Reliance Standard Life Insurance Company
  • GDS/Coventry
  • Group Administrators
  • Guardian
  • HealthScope
  • HealthSmart (*formerly Wells Fargo)
  • Health Resources Inc. PPO/USA
  • Humana Dental PPO
  • Kansas City Life Insurance Company
  • Key Benefits Administrator, Inc. (KBA)
  • Lincoln Financial Group
  • MedBen/Medical Benefits Administrators
  • Meritain
  • Metlife
  • Nova Net
  • Physicians Mutual Life Insurance Company
  • Principal
  • Reliance Standard Life Insurance Company
  • Renaissance Dental
  • Revolv
  • Security Life
  • Standard Insurance Company
  • Standard Life insurance Company of New York
  • SIHO Insurance Services
  • SISCO (Self Insurance Services Company)
  • Starmount Life Insurance Company
  • United Healthcare Dental
  • Unum Dental
  • Wayne County (Indiana) Government
  • Zelis