Understanding Dental Insurance in Texas: What Every Patient Should Know
Let’s face it—dental insurance in Texas can be confusing. From what’s covered to what isn’t, trying to figure it all out can feel overwhelming. At Bentley Dental, we believe that understanding your benefits shouldn’t be harder than getting the care itself.
Whether you already have a dental plan or are looking into one, this guide will help you make sense of the most important things you need to know—and how we can help you maximize your coverage.
What Is Dental Insurance, Really?
Dental insurance is different from medical insurance. It’s designed to promote preventive care and offset the cost of basic and major dental services.
Most dental plans in Texas fall into these categories:
PPO (Preferred Provider Organization): Most common; allows you to see both in-network and out-of-network providers.
DHMO (Dental Health Maintenance Organization): Requires you to stay within a set provider network.
Discount plans: Not insurance, but provides reduced fees with participating dentists.
What Does Dental Insurance Typically Cover?
Dental insurance plans often follow the 100-80-50 rule:
100% Coverage for preventive care: exams, cleanings, X-rays
80% Coverage for basic services: fillings, extractions, root canals
50% Coverage for major services: crowns, bridges, dentures
Note: Cosmetic procedures like whitening or veneers are rarely covered.
Need Help Navigating Your Plan? We’ve Got You.
Dental insurance shouldn’t be a barrier—it should be a bridge. At Bentley Dental, we simplify the process so you can focus on what matters: keeping your smile healthy, beautiful, and stress-free.
Does Bentley Dental Accept My Insurance?
We work with most major PPO dental insurance plans in Texas and are happy to verify your benefits before your visit.
Our team handles:
Eligibility checks
Treatment pre-approvals
Claim submissions
Transparent explanations of your out-of-pocket cost
Just call (817) 923-9877 and we’ll help you understand exactly what’s covered.
What If I Don’t Have Insurance?
No problem—we believe everyone deserves great dental care. Bentley Dental offers:
Transparent pricing
Flexible payment options
Financing through CareCredit®
In-house membership plans (available upon request)
Contact us to learn about our affordable, no-insurance options.
Texas-Specific Dental Insurance Tips
If you live in Texas, here’s what to keep in mind:
Annual maximums are common (often $1,000–$1,500)—use your benefits before they expire each year.
Waiting periods may apply to major procedures if you’re new to the plan.
Network status matters—PPOs give you more freedom to choose your provider.
Children’s dental care is sometimes included in ACA health plans—check yours if you have kids.
How to Make the Most of Your Dental Insurance in Texas
Stay on schedule. Most plans cover 2 cleanings a year—use them!
Know your coverage. Our team will walk you through it.
Don’t delay treatment. Catching problems early saves money.
Time major work wisely. We’ll help you split treatment across plan years if needed.
Ask questions. No shame—we’re here to help.