We Welcome All Dental Insurance

Animation of dental insurance claims process

At Cornerstone Dental, we have a dedicated staff member whose job is to help our patients get the most out of their dental insurance. Her name is Nicole, and she is ready to maximize your benefits so you can get more care while spending less whenever you come to see us! She’s also happy to answer any questions you might have about your coverage so you know the best way to use your plan. Below, you’ll find a brief guide that covers the basics of dental insurance, but to learn more about your specific policy, feel free to give us a call anytime!

Understanding How Dental Insurance Works

Dental insurance forms on tablet computer

There are 3 main things that are important to know about dental insurance:

Most plans are focused on helping patients pay for preventive care so they can take care of problems early and avoid the need for more extensive procedures.
Dentists who are in-network with your plan have an agreement with your provider to charge discounted rates for their services. This means when you visit an in-network dentist, you’re guaranteed to save more with your insurance.
Plans usually have what is called an annual maximum, or the most it will pay for care within a 12 month span or calendar year. This can range from $1,000-$1,500 depending on your plan. The key thing to know is that if you don’t meet this maximum by the time the year ends, any leftover money does NOT carry over. That’s why it’s important to work with your dentist to make sure you’re not leaving any money on the table.

What Your Dental Insurance Plan Covers

Hands holding an animated tooth under an umbrella

While every dental insurance plan is a little bit different, the coverage with most basically looks like this:

Checkups, cleanings, X-rays, fluoride treatments, and dental sealants are covered 80-100%.
Fillings, crowns, bridges, dentures, extractions, and root canals are covered 45-75%.
Teeth whitening, porcelain veneers, and cosmetic bonding are usually NOT covered because they are deemed to be elective procedures.
Some plans also offer coverage for orthodontics, though many are limited to patients under 18.

So for most people, the best way to use their plan is to simply concentrate on prevention, as in attending their two recommended checkups and cleanings each year. These visits will likely cost little to nothing out of pocket, and they’ll drastically lower someone’s chances of needing restorative care that receives less coverage.

Preferred Provider for Delta Dental Premier

Man and woman talking to dental team member

As we touched on above, one of the easiest ways to maximize your insurance is to visit a dental office that is in-network with your plan. Luckily for Fargo, Cornerstone Dental is an in-network provider with Delta Dental. Even if your plan isn’t one we are networked with, we may still be able to use it, so give us a call to find out more.

Blue Cross Blue Shield FEP Dental

patient who has Blue Cross Blue Shield FEP Dental

If you are a federal employee or retired uniformed service member, we have good news for you and your family! We gladly accept and are in-network with Blue Cross Blue Shield FEP Dental here at Cornerstone Dental in Fargo. Our team of compassionate, experienced professionals will treat you with the respect you’ve earned for your time and service, and we can make your benefits work to your advantage and explain how to get the most out of your plan.