Here’s something most people don’t realize until they actually use their dental insurance: preventive care is often the most generously covered benefit in your entire plan. While major procedures might leave you with a hefty bill, your routine cleanings and checkups typically cost you little to nothing out of pocket. If you’re wondering whether your Washington dental insurance covers preventive care, the short answer is yes, and it probably covers more than you think.
At Green Lake Cosmetic Dentistry, we work with nearly all major insurance providers in the Seattle area to help you make the most of your preventive care benefits. Dr. Cherryl Ellison and our team verify your coverage before every appointment, explain exactly what you’ll pay, and make sure you’re getting the full value of your insurance plan. Whether you have Delta Dental, Premera Blue Cross, Cigna, or another PPO plan, we’ll help you understand your benefits and keep your smile healthy without surprise costs.
What Counts as Preventive Dental Care?
Preventive dental care includes the essential services that help you avoid bigger dental problems down the road. These are the appointments and treatments designed to keep your teeth and gums healthy before issues develop.
Most insurance plans classify the following as preventive care:
- Routine dental cleanings
- Comprehensive oral examinations
- Periodic X-rays
- Fluoride treatments (typically for children)
- Dental sealants for children and teens
These services form the basis of good oral health and can help you catch small problems before they become expensive repairs.
How Much Does Insurance Typically Cover?
Washington State residents with dental insurance generally enjoy strong coverage for preventive services. Most PPO plans cover preventive care at 80% to 100%, with many plans covering two cleanings and exams per year at 100%.
The coverage structure typically breaks down into three categories. Preventive care receives 80% to 100% coverage, basic procedures like fillings get 70% to 80% coverage, and major procedures such as crowns receive 50% coverage. This tiered approach encourages patients to maintain regular preventive visits by making them the most affordable option.
At Green Lake Cosmetic Dentistry, we work with many major insurance providers, including:
- Delta Dental
- Premera Blue Cross
- Cigna
- Humana
- MetLife
- Guardian
- United Healthcare
- Principal
Our team verifies your benefits before your appointment so you know exactly what to expect.
What If I Don’t Have Dental Insurance?
Not everyone has access to traditional dental insurance, and that’s perfectly fine. We offer an in-house membership plan for just $34 per month that includes your preventive care visits. This plan covers two cleanings per year, periodic exams, and X-rays as needed.
For patients who need additional treatment beyond preventive care, we offer Cherry Financing with 0% interest for 12 months. This flexible payment option makes it easier to get the dental care you need without the stress of a large upfront cost.
Understanding Washington State Dental Benefits
Washington residents have access to several dental coverage options beyond traditional employer-sponsored plans. The Uniform Dental Plan serves state employees with a $1,750 annual maximum, and many professionals in the Green Lake area utilize this coverage. Small business owners and self-employed individuals often purchase individual PPO plans from providers such as Delta Dental or Premera.
Maximizing Your Preventive Care Benefits
Most insurance plans reset annually, which means unused benefits don’t roll over. If your plan covers two cleanings per year, scheduling appointments every six months ensures you use your full coverage.
We also recommend reviewing your insurance coverage before the end of the year. If you have remaining benefits or need treatment, December appointments can help you use coverage that would otherwise expire.
The Value of Preventive Care
Preventive dentistry saves you money in the long run. Regular cleanings remove plaque and tartar buildup that can lead to cavities and gum disease. Catching problems early during routine exams means simpler, less expensive treatments.
Studies show that patients who maintain regular preventive visits spend less on dental care over their lifetime compared to those who only visit the dentist when problems arise. Your insurance company understands this, which is why it offers such generous coverage for preventive services.
Schedule Your Preventive Care Appointment
Dr. Cherryl Ellison and our team at Green Lake Cosmetic Dentistry make preventive care accessible and comfortable for the whole family. Whether you need a routine cleaning, a comprehensive exam, or guidance on maximizing your insurance benefits, we’re here to help. Our practice welcomes patients with all major insurance plans, and we offer an affordable membership option for those without traditional coverage.
Contact us today to schedule your appointment. Our team will verify your insurance coverage and answer any questions you have about your benefits. Learn more about Dr. Ellison and our commitment to providing quality dental care in the heart of Green Lake.
