Insurance Dentists vs. Non-Insurance Dentists

Did you know that not all dentists accept dental insurance? Dr. Roderick Garcia, DMD in Albuquerque, New Mexico accepts most dental insurance plans, but also accepts those who do not have dental insurance. With help of CareCredit and financing plans customized to cover your dental services, you too can receive quality dental care. Insurance DentistsInsurance dentists are those dentists that work exclusively with insurance companies to determine pricing for dental procedures. Dental insurance is not exactly like health or auto insurance. It is more like a maintenance plan that can help cover cleanings and x-rays and some of the costs of more pricey procedures like a crown. The maximum annual benefits of dental insurance haven’t really changed in over 50 years. It often puts a delay on procedures that are needed also because the dentist has to make sure the patient has benefits by contacting the representative of that company and calculate a co-pay.Dental insurance also has limitations. Many people believe that having dental insurance will cover the total cost of your procedure, but that is not the case. Most treatment including fillings, crowns, bridges, root canals and more often require an out-of-pocket expense in addition to what the dental insurance covers. Dental insurance also has a deductible which needs to be paid before your insurance actually “kicks in” and a yearly maximum amount that it will cover that is not cumulative and cannot roll over to the next year if not used.Also, not all dentists accept every dental insurance plan, in fact some accept very few. This means that your out-of-pocket expenses may be even higher! If you are seeing a dentist who is not in your network, you may be able to use your insurance as partial payment, but not always. Check with the front desk personnel ahead of time and save yourself some worry.Non-Insurance DentistsUltimately, insurance companies are the ones that are setting the rates that a dentist charges you for a dental service or procedure. When a dentist doesn’t agree with those rates, he is able to stop accepting that insurance or go insurance-free. There are ways to have your procedure covered without needing insurance that is affordable and works with your own finances. Dr. Roderick Garcia, DMD provides dental care for everyone regardless of their insurance status. His office can create a finance plan or even space out a procedure over time to help save you money.CareCredit – a solutionCareCredit is a healthcare card designed to help you cover medical and dental services that are not covered by insurance. This card has a number of flexible payment plans available to enable you to spread out payments over a maximum of two years (24 months). Dr. Roderick Garcia, DMD is experienced with accepting CareCredit as a form of payment and his staff would be more than happy to speak with you more about this type of financing option.Dr. Garcia, DMD in Albuquerque is an experienced cosmetic and family dentist with over 30 years of experience helping New Mexicans restore their smiles and maintain their oral health. He accepts most insurance providers, but does not subscribe to any network so he is not restricted by the guidelines designed to save insurance companies money. Dr. Garcia also provides dentistry to patients without dental insurance. Dr. Garcia believes that quality dental health should be accessible for all New Mexicans and provides financing options for everyone. Contact Dr. Garcia today at 505-369-2673 and learn more about our flexible payments and superior dentistry. We are always accepting new patients.

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