Your Definitive Guide To In-Network Hospitals Versus Accepting Insurance

Posted by DR. BIPINJIT KAUR on Mar 18 2021, 09:31 AM

Your Definitive Guide To In-Network Hospitals Versus Accepting Insurance

Having the right insurance coverage can save you thousands of dollars, but that doesn’t necessarily mean you are getting the best benefit from the coverage. There are several aspects you need to consider, such as whether the dental practice is in-network for your insurance or do they just accept insurance. The difference between the two can mean the world and save you tons of money. In this blog, we will look at what these two types entail.

Being In-Network: What does it mean?

Being In-Network is basically nothing, but a deal between your dentist and the insurance provider wherein the former agrees to provide care at a discounted price for the insurance holder. This means patients get high-quality care that’s covered by their insurance company, which usually knocks off a few hundred dollars on treatments and makes it more accessible and affordable.

Here’s how the process works:

  1. Your insurance company directs you to work with one of their partnered facilities.
  2. As the facility is in-network, you pay a considerably smaller amount for your care.
  3. Patients get top-quality care from their healthcare providers while insurance companies cover their charges.

Accepting Insurance: What does it mean?

As the name suggests, accepting insurance are basically health providers who are out of network and accept the insurance you have, but you may not be incentivized to offer the best prices. In this case, though, there is no negotiated rate between the provider and the insurer, which means you will be paying a considerably larger bill.

Here’s how the process works:

  1. The care provider tells you they accept your insurance.
  2. You receive the necessary treatment.
  3. Your coverage will erode more as they haven’t partnered with your insurance provider.

Bottom line, there is a fine line between facilities being in-network and facilities accepting insurance. To ensure you receive the best care at affordable prices, it’s always worth going to an in-network hospital-like Tracy Arch Dental, which is in-network for all major insurance companies.

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