Each dental insurance policy represents a contract between you and your insurer (in some cases your employer is also part of this contract). In exchange for the payment of monthly premiums, your dental insurance provider offers to cover a percent of the costs of dental care. While every plan is different, you can typically expect to receive some combination of the following coverage:

 100% preventive care covered
 Minor restorative care around 70%-80% covered
 Major restorative care around 50%

HOW DENTAL INSURANCE WORKS

WHAT IS THE DIFFERENCE BETWEEN DENTAL AND MEDICAL INSURANCE?

Many patients ask this question, and the answer is – many things. One of the most significant differences between medical and dental insurance is the services they cover. Dental benefits offer the greatest percentage of coverage for preventive care to help people keep their smiles healthy. The majority of medical insurance plans provide the greatest amounts of coverage for chronic illnesses and emergency care.

IN-NETWORK VS. OUT OF NETWORK

We are happy to process and file dental insurance claims for most major insurers. We work with patients to minimize the out of pocket costs of dental care. Whether or not we’re in-network with your insurer, our team will work hard to offer affordable dentistry services that fit into your budget.

IN-NETWORK COVERAGE

If you don’t see your dental insurance provider listed above, we are likely not in-network with your insurer. However, we’re still happy to work with you to maximize your benefits and minimize the out of pocket costs of dentistry treatment. Even though we haven’t agreed to your insurer’s set fees for service, we do our utmost to keep our prices affordable and work with your insurer to get you the benefits you deserve. Our pricing is typically in-line with the maximum fees set by insurance plans, but if you’re ever concerned about the out of pocket costs of your treatments, please let one of our team members know.

OUT OF NETWORK

As an in-network dental office with many major insurance providers, we have agreed to charge prices for covered services that fall within your insurer’s set maximum fees. This means, you’ll only ever be responsible for the out of pocket percentage of the costs of your dental care plan. We offer in-network coverage for all of the following plans:

 - MetLife -
- Cigna -
 - United Healthcare -
 - Delta Dental -
 - Aetna Dental -
- Blue Cross Blue Shield -
- Guardian -
- Humana -
 - Assurant -
- Ameritas -
- Lincoln Financial Group -
 - UMR -
 - Principal Life -
 - Beam -
 - United Concordia -
 - Dentaquest -
- MCNA -
 - TMHP -