Dental Insurance

Insurance Carriers
We accept and honor most dental insurance plans. The following are just a few of the dental insurance carriers we are providers for (click on the provider of your choice to join their website):

Delta Dental (Premier and PPO), United Food and Commercial Workers (UFCW), Aetna, Cigna, Met Life, Anthem Blue Cross, Guardian, United Concordia, Sun Life, Premier Access, Assurant, First Dental Health.

Insurance FAQs

  1. What’s Dental Insurance Coverage Types?
    According to most dental insurance companies, dental procedures are broken down into three categories, Preventive, Basic or restorative and major.
  2. What’s a covered benefit?
    Treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group’s plan.
  3. What’s optional treatment?
    Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to its original function.
  4. What’s the difference between Indemnity, PPO, HMO, & Discount Insurance plans?
    1. Indemnity or Traditional Insurance
      reimburses members or dentists at the dentist’s UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without being limited to a panel.
    2. PPO (Preferred Provider Organization) is the most common form of insurance.
      They provide members with a list of participating dentists to choose from. The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings. They also assist with insurance billing. Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000.
    3. HMO
      also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for patients assigned to the office. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don’t pay for services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.
    4. Discount Plans
      simply consist of a dentist that have agreed to a reduced rate, with the subscriber being solely responsible for the entire portion. There is no billing or annual maximums.
  5. Coverage Types
    Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don’t cover major procedures and others have waiting periods for certain procedures. If you know that you will need major dental work that is not covered by your dental plan, we will offer financial payment plans.

    1. Preventative
      Most insurance companies consider routine cleanings and examinations as preventative dental care, however, X-rays, sealants and fluoride can be deemed as preventative or basic, depending upon the specific insurance carrier.
    2. Basic or Restorative
      Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.
    3. Major
      Crowns, bridges, dentures, partials, surgical extractions and dental implants are dental procedures that most dental insurance companies consider as a major procedure.