If your Delta benefit for crowns is 50%, and the dentist who performs the crown is an in network Delta PPO Provider, that crown will cost $737 and Delta will pay $368.50 and you will pay the same. If you go to an out of network provider however, and the dentist charges $1400, Delta will still only pay $368.50, and you will end up paying $1,031.50 out of pocket. You save $663.00 by going to an in network provider! If you are in need of extensive dental work, that difference can add up quickly.
Many patients will ask when on the phone for the first time with a dental office: "Do you accept my insurance?" To which many dental offices will answer a very misleading: "yes." The better question to ask is: "Are you in network with my insurance?" This obligates the dental office to be specific, and if they are not in network, you will understand that your out of pocket expense by being treated by this dentist may potentially cost you thousands of dollars more than necessary. We at Aliso Park Dental have taken the initiative to contract with most major insurance companies, Delta Dental being one of them. In doing so, we are maximizing the benefit for both our patients and ourselves. Staying in network, when seeking dental care, is a win win for both of us. :0)