Understanding Dental Insurance

Dr. Jeremy Archibald encourages patients to visit our Gresham dentist office every six months to receive regular preventative dental care.

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Navigating dental insurance can be overwhelming, but it doesn’t have to be. Whether you’re new to insurance or looking to understand your current plan better, our team at Dr. Archibald Family Dentistry in Gresham is here to help.
Dental insurance assists in covering a part of your dental care costs. It typically covers preventive services like cleanings and check-ups, as well as a percentage of other treatments like fillings, crowns and sometimes even orthodontics. Dental insurance can reduce your out-of-pocket expenses and make dental care more affordable. Since preventative services are often generously covered, it encourages regular visits to maintain good oral health.
The key components of most dental insurance plans include:
  • Premiums: Monthly or annual payments you make to maintain your coverage.
  • Deductibles: The amount you pay out-of-pocket before your insurance kicks in.
  • Copayments/Coinsurance: Your share of the treatment cost after meeting your deductible.
  • Annual Maximums: The limit on what your insurance will pay for your care in a year.
While dental insurance covers a wide range of services, it doesn’t cover everything. Most plans do not include cosmetic procedures such as teeth whitening and veneers. Sometimes insurance doesn’t cover important and necessary services. it’s crucial to read your policy details to understand any limitations or exclusions. To cover any gaps in your insurance, consider a CareCredit credit card. We want you to receive the treatment you want and need and will work with you to maximize your insurance benefits, sequence treatment to match your budget and give you options to select the right treatment plan for you.
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Is Dr. Archibald in My Network?

At our Gresham dental office, we work with most major insurance providers. Whether your insurance coverage is from Cigna, Lincoln Financial, Aetna, Delta Dental or one of the many other insurance carriers we work with, our team will work with you to receive the maximum benefits your plan provides and help you to understand your specific benefits. Generally, we are able to work with nearly all insurance companies. Your out-of-pocket expenses may be slightly different when considering whether we are “in-network” with a specific insurance plan.

How Can I Maximize My Benefits?

Generally, annual insurance benefits reset at the beginning of the calendar year. Regular preventive visits are a great opportunity to determine how to help you obtain and keep a healthy smile. Dr. Archibald will discuss treatment options with you and help prioritize urgent needs to maximize annual benefit coverage.
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What is CareCredit?

For those procedures not covered by insurance, or if you’ve reached your annual maximum, CareCredit can bridge the gap. A healthcare credit card, CareCredit is designed for the health and wellness needs of you and your family. You can use it to pay for out-of-pocket expenses that are not covered by regular dental insurance, depending on your needs.
To learn more about how dental insurance works, maximizing your benefits, and how CareCredit can help, contact our knowledgeable team today.