In-Network or Out-of-Network? Why Some Patients Pay Extra to See Our Dentist in Richmond VA
At Westover Dentistry, we often receive questions about dental insurance—specifically whether being out-of-network is worth the extra cost. While many patients prefer an in-network dentist due to lower out-of-pocket expenses, some of our most loyal patients choose to stay with us regardless of insurance coverage. In this article, we’ll explain why that is and how our commitment to exceptional care can sometimes outweigh insurance considerations.
Understanding In-Network vs. Out-of-Network
In-Network Dentist:
A practice that has negotiated specific fee schedules with your insurance company. This often means lower costs for patients but can limit the materials, time, or even procedures a dentist can offer based on insurance allowances.
Out-of-Network Dentist:
A practice that doesn’t have a contractual agreement with your insurance carrier. While you may pay a bit more upfront, you still receive direct reimbursement for qualifying services—just at a different (often lower) rate than in-network benefits.
At Westover Dentistry, our top priority is ensuring you receive the best possible care without letting restrictive coverage options affect your treatment quality. We’re happy to file claims for you, help you understand your benefits, and ensure you get any eligible reimbursement—even if we’re not on your insurance plan’s “preferred” or “in-network” list.
Real Patients’ Perspectives
“Worth Paying the Difference”
One patient described their experience, saying-
“I’ve been with this practice for many years. They are not in my dental insurance network but worth paying the difference. Would not trust my mouth with any other dentist!”
Their experience highlights a key reason patients remain loyal: trust. Even if their plan doesn’t list Westover Dentistry as an in-network provider, they value the consistent care, technology, and professionalism that our team delivers.
“Long-Time, Trusting Relationships”
Many of our reviews reflect long-standing trust in our care. For some patients, peace of mind trumps the potential cost savings of switching to an in-network dentist. They’d rather stay with a team that knows their dental history and invests in their long-term oral health.
Why Some Patients Choose to Go Out-of-Network
Quality and Customization of Care
Out-of-network providers aren’t bound by certain insurance-imposed cost-cutting measures. This freedom often allows us to use higher-quality materials, devote more one-on-one time during procedures, and recommend treatments based on effectiveness—not coverage limitations.
Advanced Technology and Techniques
By not being restricted to specific insurance reimbursements, we can invest in advanced dental technology, skilled specialists, and continuing education. Our patients benefit from modern approaches that improve results and comfort.
Personalized Attention
Many reviews mention our team’s warmth, kindness, and thoroughness. When insurance constraints aren’t dictating appointment times and resources, we can spend the extra time needed to ease anxieties, fully explain treatment options, and provide a tailored experience.
Comprehensive Services Under One Roof
For some, saving time and avoiding multiple referrals is worth a higher out-of-pocket fee. Our Richmond VA office offers a variety of services—from routine cleanings to restorative and cosmetic treatments—so patients can get the majority of their dental work done in a familiar environment.
Long-Term Investment in Oral Health
Some patients would rather pay slightly more now than risk compromised care or quick-fix solutions. High-quality dentistry can prevent more expensive problems down the line, making an out-of-network choice a proactive investment.
How Out-of-Network Insurance Works Here
Insurance Submission
Even if we’re not in-network, we’ll still file claims to your provider. You’ll pay our office directly for services, and your insurance company will reimburse you based on your out-of-network benefits.
Reimbursement Rates
While you may receive a lower reimbursement amount than in-network rates, your plan may still cover a significant portion of preventive or major procedures, depending on your specific policy.
Upfront Estimates
Our team is happy to provide an estimate of what your insurance will likely cover so you can plan your budget and avoid surprise costs.
Payment Options
In addition to insurance billing, we also offer various payment options or financing plans to help patients who prefer to spread out costs.
For a deeper look at how our out-of-network process works, check out our Out-of-Network Insurance Page.
Frequently Asked Questions
Q: Will I pay significantly more out-of-pocket by staying with Westover Dentistry if it’s not on my plan?
A: It depends on your plan and the specific treatment. Preventive services (cleanings, exams, x-rays) often have decent coverage even out-of-network. Major procedures might require a higher out-of-pocket portion, but many patients find the quality of care and peace of mind well worth the difference.
Q: Why wouldn’t I just switch to an in-network dentist in Richmond?
A: Some patients prioritize convenience, rapport, or a proven track record with their current dentist. If you already trust our team and appreciate the personalized care we provide, staying out-of-network could be your best long-term investment in oral health.
Q: What if I have a dental emergency and you’re out-of-network?
A: We welcome all patients, regardless of network status, and provide urgent care as needed. We’ll file your insurance paperwork, and you’ll receive the same fast, compassionate care to help you get out of pain quickly.
Make an Informed Choice for Your Dental Care
Our team of skilled dentists is frequently praised for their warmth, professionalism, and expertise. Many patients have shared that the staff takes time to listen to concerns, explain procedures thoroughly, and create a welcoming experience from start to finish.
For many people, visiting the dentist can feel nerve-wracking—especially when restorative work is needed. But a supportive environment and a team that genuinely cares can make all the difference between a stressful appointment and a positive, productive experience.
Ready to Restore Your Smile?
Whether you have a minor chip or require a full crown, Westover Dentistry is here to help. Our goal is simple: to provide top-notch restorative dentistry while making every patient feel like family. We understand that accidents and wear-and-tear happen, and we’re committed to offering compassionate, expert care that preserves both your smile and your peace of mind.
- Phone: +1 804-320-7147
- Address: 7017 Old Jahnke Rd, Richmond, VA 23225, United States
Don’t let a chipped tooth or dental discomfort disrupt your day. Contact us today to experience exceptional care from a team that truly values your dental health.
