If you are trying to find an endodontist who accepts MetLife insurance to complete your root canal, there are some very important information that you should know. It is crucial to use the correct terminology to avoid confusion and to insure you get the most out of your insurance benefits. The two term “accepting” and “in-network” are often used interchangeably, but they have significantly different meanings. Creekside Endodontics accepts most major insurance plans and is In-Network with the most popular of MetLife dental plans.
Accepting vs. In Network
In-Network with dental insurance: An endodontist that is In Network with your dental insurance has a signed contract with your insurance. This signed contract ensures that you get the most out of your insurance benefits and that you maximize your savings. First, an in network dental office will honor a predetermined fee schedule set by your insurance company. The difference between the regular price and the discounted price is written off by the dentist and the patient simply receives a discount. Additionally, the dental insurance company ensures that there are no unnecessary charges added to the treatment plan.
Accepting Dental Insurance: If you find an endodontist who accepts MetLife insurance and is not in network, the endodontist does not have a contract. Although they will accept your MetLife insurance benefits as partial payment, they are not obligated by your insurance company’s terms and conditions. Dental offices that accept your insurance are not obligated to discount the price of treatment to the insurance company’s predetermined fee schedule. Instead, the patient becomes responsible to pay the additional cost.
Important Question – “Are you in-network with my dental insurance?”
Patients often ask “Do you accept my insurance?”, when they should be asking “Are you In-Network with my insurance?”. In-network dentists have agreed to accept a previously negotiated fee with the insurance company. Then, the patients will pay their percentage as agreed by their plan. The remaining balance is written off by the dentist.
If you choose a dentist who simply accepts payment by your MetLife Dental Insurance, the remaining balance becomes YOUR RESPONSIBILITY. This simple difference can add hundreds of dollars to your out-of-pocket costs.
Creekside Endodontics is excited to be an In-Network provider with MetLife Dental Insurance. We will complete your treatment and submit the necessary paperwork to MetLife. By using an In-Network dentist, you can save hundreds of dollars on your treatment.
Insurance Search Tool – MetLife
MetLife wants to help you and provides a search tool find an endodontist who accepts MetLife insurance. MetLife understands the benefits of using an In Network endodontist to complete your root canal treatment. Click on the link below and enter your zip code. For more customized results, enter your exact address. If you do not use an exact address, the search will start from the center of the area identified, based on the ZIP code, city or state you provide.
Additionally, MetLife offers some of their insights on how to choose a dentist.
Andrew Stubbs, DMD is a specialist member of the American Association of Endodontists. He is a graduate of Boston University and maintains an ecofriendly dental practice. Dr. Stubbs specializes in root canal treatment in Lone Tree, CO and provides sedation dental treatment for patients from all over the Denver area.