A Message About Insurance and Your Care
While we work closely with insurance providers to help you get the most from your benefits, it’s important to understand that we don’t work for the insurance companies — we work for you.
Our priority is to recommend treatments that are best suited to your individual needs, not dictated by insurance coverage. Most dental plans offer great benefits, and we’ll do everything we can to help you maximize those benefits. However, our care decisions are always based on what’s right for your health, not what your plan happens to cover.
We are in-network with most dental insurance carriers
- Aetna
- Aetna Medicare
- Ameritas
- Anthem BCBS
- Banner Aetna
- Blue Cross Blue Shield (plans may vary)
- Beam
- Carrington
- Cigna
- Connection Dental
- Delta Dental
- Humana
- Humana Medicare
- Physicians Mutual
- Principal Life Dental
- Soltice
- Sun Life
- United Health Care
- United Health Care
And many other PPO plans
Even if your plan is out of network, we’re happy to submit claims on your behalf and will gladly perform a courtesy benefits check when you schedule your appointment.
Please reach out to your insurance carrier to confirm what your plan specifically covers.
Most health insurance plans do not include dental coverage. Dental insurance is typically separate, though some health plans offer it as an add-on.
Yes. Most dental plans have an annual maximum of $1,000–$2,000 per year. Once you reach that limit, your insurance stops paying for covered services until your plan renews. Any additional costs are your responsibility.
“In‑network” means we have an agreement with your insurance provider to offer services at contracted rates. “Out‑of‑network” means there’s no contract—you can still be seen here, but your out‑of‑pocket costs may differ.
Certain services we provide may not be covered or billable to your dental insurance. We will always present a detailed treatment plan and cost estimate before any treatment is rendered so you can make informed decisions about your care.
It allows your insurance company to pay our office directly so you don’t have to wait for reimbursement.
Verification ensures we can accurately confirm eligibility, benefits, and coverage details so you understand your estimated costs before treatment.
We’ll need your insurance provider’s name, policy number, and the policyholder’s name and date of birth.
Yes, that’s called dual coverage. One plan acts as your primary, and the second may help cover what the first doesn’t.
If your coverage was through your employer, it may end when your employment does. You might be eligible for COBRA continuation or can purchase an individual plan.
This may happen if you’ve reached your annual maximum, if the service isn’t covered under your plan, or due to a processing delay. Our team can help review and clarify any billing questions.
Your Explanation of Benefits (EOB) shows how your insurance processed your claim—what was billed, what they paid, and any remaining balance you owe.
You must pay your deductible out-of-pocket before your insurance begins covering certain procedures.
Most plans divide coverage into preventive (exams, cleanings, X-rays), basic (fillings, extractions, sealants), and major (crowns, root canals, dentures).
We offer an in-house discount plan for patients without dental coverage—making it simple and affordable to maintain your oral health year‑round.