{"id":86,"date":"2023-03-14T13:14:00","date_gmt":"2023-03-14T13:14:00","guid":{"rendered":"https:\/\/www.washparkpediatricdentistry.com\/blog\/?p=86"},"modified":"2025-06-13T19:55:57","modified_gmt":"2025-06-13T19:55:57","slug":"dental-insurance-101-what-is-a-deductible","status":"publish","type":"post","link":"https:\/\/www.washparkpediatricdentistry.com\/blog\/2023\/03\/14\/dental-insurance-101-what-is-a-deductible\/","title":{"rendered":"Dental Insurance 101: What Is a Deductible?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.washparkpediatricdentistry.com\/blog\/wp-content\/uploads\/2023\/04\/AdobeStock_481091544__1___1681830377_90744-300x200.jpg\" alt=\"mom and child talking to a receptionist about dental insurance\" class=\"wp-image-87\" srcset=\"https:\/\/www.washparkpediatricdentistry.com\/blog\/wp-content\/uploads\/2023\/04\/AdobeStock_481091544__1___1681830377_90744-300x200.jpg 300w, https:\/\/www.washparkpediatricdentistry.com\/blog\/wp-content\/uploads\/2023\/04\/AdobeStock_481091544__1___1681830377_90744-768x512.jpg 768w, https:\/\/www.washparkpediatricdentistry.com\/blog\/wp-content\/uploads\/2023\/04\/AdobeStock_481091544__1___1681830377_90744.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>To someone unfamiliar with the terminology, understanding <a href=\"https:\/\/www.washparkpediatricdentistry.com\/dental-insurance.html\">dental insurance<\/a> can seem daunting. There always seems to be fine print or lofty jargon that can be tricky to keep straight. For instance, do you know what a deductible is? This basic term is important to comprehend because it directly impacts the amount you will owe for your child\u2019s dental care. In this post, you\u2019ll learn a little bit more about a deductible, see its application in a \u201creal-life\u201d scenario, and understand the importance of a great dental team on your side.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">What Is a Deductible?<\/h2>\n\n\n\n<p>The term <em>deductible<\/em> is used in world of insurance to refer to the money you must pay for covered services before the insurance company chips in its portion. Keep in mind that your deductible is an added expense on top of your monthly premium, but once you meet your deductible for the calendar year, you are set until coverage renews in January.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Your Deductible Affects How Much You Pay<\/h2>\n\n\n\n<p>Often working with specific numbers and an example facilitates understanding. If your child needs dental work costing a total of $500, you pay your deductible (say $50) and then your insurance pays roughly 80 percent of the remaining fee, which is $450. This amount would be about $360, leaving about 20% or $90 left over. In total, you\u2019ll pay $140 out-of-pocket, but your insurance will contribute $360, saving you significant money.<\/p>\n\n\n\n<p>In case of a later dental expense in the same calendar year, you may only have to pay the 20% because you have already met your deductible.<\/p>\n\n\n\n<p>Before you pay, you may certainly ask your dental to explain the amount they are charging you. They give you a detailed breakdown of the fees, factor in your deductible as well as coverage from your insurance, and help you understand the out-of-pocket amount due in your specific case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why You Need to Work with an In-Network, Knowledgeable Team<\/h2>\n\n\n\n<p>Hopefully, the explanations so far help clarify how deductibles work, but insurance can be complicated and confusing, even for those who work in the dental field! Choosing a pediatric practice that not only accepts your insurance plan but also has the experience of working with insurance companies can make the entire process much easier and smoother for you. Not to mention, they\u2019ll be familiar with how insurance companies operate, meaning they can help you save as much as possible.<\/p>\n\n\n\n<p>Ultimately, having a firm grasp of what deductibles look like can give you an idea of what to expect when you take your child to the dentist\u2019s office. With the front desk team\u2019s help, you can understand your dental expenses and save money!<\/p>\n\n\n\n<p><strong>About the Author<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.washparkpediatricdentistry.com\/our-pediatric-dentists.html\">Dr. J Patrick Bowman, or Dr. Patrick<\/a> as he prefers to be called by his young patients, is a board-certified pediatric dentist with more than 10 years of experience. At Wash Park Pediatric Dentistry, he is an in-network provider with several insurance companies, including UnitedHealthcare, MetLife, Carington, Guardian, and others. If you have questions about using dental insurance to pay for your child\u2019s care, you can contact the front office in Denver by calling 720-647-6310 or <a href=\"https:\/\/www.washparkpediatricdentistry.com\/contact-us.html\">reach out to us on our website<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To someone unfamiliar with the terminology, understanding dental insurance can seem daunting. There always seems to be fine print or lofty jargon that can be tricky to keep straight. For instance, do you know what a deductible is? This basic term is important to comprehend because it directly impacts the amount you will owe for [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-86","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dental Insurance 101: What Is a Deductible? | Dental Insurance<\/title>\n<meta name=\"description\" content=\"Don\u2019t know what a deductible is for dental insurance? 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