Dental insurance is very similar to a regular medical insurance in the way it works. You can enjoy certain amount of dental benefits by paying a monthly premium. The benefits typically include routine checkups, x-rays, cleanings and other similar services that promote general oral health.

While some plans offer a broader coverage, others demand a higher financial contribution for rendering of services. There are some plans, which also cover for different types of dental implants, oral surgeries or orthodontia.

Dental insurance schemes are typically categorized into two:

  • Indemnity Plans
  • Managed-care Plans

The major differences between the two types of dental insurances are related to the dental care expert selected, out-of-pocket expenses and the mode of payment of bills.

Indemnity plans usually offer a wider range of oral health experts to choose from as compared to manages-care plans. It is only on the receipt of the bill that the due share of expenses is paid by indemnity plans.

A network or networks of dental care providers is maintained by managed-care plans. The dentists who participate in a particular network have agreed to offer services to patients at prices, which are predetermined. They generally submit the amount of claim to your insurance company on your behalf.

Dental insurance can be challenging to understand. Please call our Cary, NC based practice and we will gladly help you with your questions.  

Our practice & COVID-19 information

To Our Most Valued Patients:
Starting Monday, March 23, 2020, and continuing until further notice, we must implement new restrictions on patient care. This is based on the latest advice we have received from the Centers for Disease Control, the NC Dental Board and the American Dental Association. 
If you have an appointment at Howarth Family Dental Center for non-emergency dental treatment (such as a checkup or cleaning or fillings), the appointment has been canceled, and we will work with you to reschedule. We are now restricting treatment to urgent or emergency care only.
This decision was not easy, but necessary. The health and well-being of our patients and team members are our primary focus. We will continue to be available for urgent and emergency care.    
If you should have a true dental emergency, you can contact a member of our team by calling our office at 919-866-3200. Please be patient as it may take us a little longer to respond. We will also send updates via text and email as needed during the situation at hand.
We regret that we must restrict our patient care this way. We are serving our patients in the safest manner possible by following the advice of the U.S. Centers for Disease Control and Prevention under these difficult circumstances. In doing this, we will safeguard the health and safety of our patients, our team members, and the entire community. Thank you all for your cooperation and understanding during these trying times and we wish you all the best of health.
In Good Health,
Dr. Gregg Howarth & Staff

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