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Insurance Plans

What Insurance plans do you accept?​

While this office is not, and never has been, considered "In Network" with any insurance provider, as a curtesy we file with any insurance. However a few insurance companies do not let us file with them (such as Medicaid). 

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Insurances that we work with all the time include:

  • Delta Dental

  • Medicare

  • Ameritas

  • UHC

  • Cigna

  • UNUM

  • Blue Cross Blue Shield

  • and Many Others

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What is the difference between "In Network" and "Out of Network"?​

Going to a dentist that is "In Network" with your dental insurance means that your dentist agrees not to charge over a certain "Price Cap" for a specific procedure.  If you go to a dentist that is "Out of Network" the patient is required to pay any amount that is over this "Price Cap".

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As long as our prices are below the "In Network Price Cap", it does not cost a patient any extra to come to us, even though we are Out of Network with your insurance.

 

There are hundreds of different insurance plans out there, and they change their Price Caps all the time. But dozens of years of sending claims to insurance companies has taught us that we are below the Price Cap for practically every procedure for almost every insurance.  Occasionally a patient has to pay $6 or so for a cleaning, or an extra $30 for a crown, or other similar amounts. But for most patients, and most insurance plans, the amount you pay at our office will be the same as you would pay for an In Network Dentist.  Some known exceptions are listed below:

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  • We are not In Network with Medicaid (we are not a "Medicaid Provider").  Any patients with Medicaid Insurance would have to pay the full price for any Treatment. 

  • Delta DPPO plans refuse to pay any amount towards your dental work in our office (because we are Out of Network). You would have to pay the full price for any Treatment. 
     

When Am I Expected to Pay for my Dental Appointment?​

Just like at the grocery store, all payment is expected at the time of service. If you have a dental insurance, we only ask that you pay the amount that your dental insurance is not expected to cover.  There are some exceptions to this rule depending on your particular insurance companies policies​

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How Much does Dental Insurance Usually Cover?​

While every insurance is different, the amounts below are what Dental Insurance generally cover

  • Preventative (cleanings, exams, x-rays)  - 90-100%

  • Basic Fillings - 70-80%

  • Crowns or Bridges - 40-50%

  • Root Canals - 70-80%

  • Dentures and Partials - 70-80%

  • Tooth Removal (Extractions) 50%-70%

  • Cosmetic - 0%

 

What Else Should I Know about Dental Insurance?​

A few things you may like to know about dental insurance.

  • Generally there is a "Waiting Period" after you get dental insurance. This is a period of time when they will not pay for any "major" work. For a crown, this period is usually one year. So they usually will not pay anything towards a crown unless you have had the insurance for more than a year.

  • Most insurances have a "Missing Tooth Clause". If you were missing a particular tooth BEFORE you had the insurance, they will NOT pay to replace the tooth. You have to have the insurance at the time the tooth is lost in order for the insurance to put any money towards replacing that tooth.

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