Insurance Information
Undertsanding
Insurance Benefits
The best way for our office to determine your healthcare benefits is to submit your child’s insurance information before their first dental visit. Any out of pocket payments will be collected the day of your child’s appointment, and we encourage you to become familiar with your insurance benefits.
Our office will file your claim electronically, allowing your insurance company to receive it within 1-2 days. It is required by law for your insurance to pay each claim within 30-45 days of receiving. If there is any unpaid amount on your account after 60 days, you will be responsible for the balance. If your insurance pays, we will send you a refund for what you paid.
PPO Insurance Plans
We accept the following insurance plans as a PPO provider:
- Ameritas
- Aetna
- Blue Cross Blue Shield
- Careington which includes: Cigna, Guardian, Lincoln Financial, MetLife, and United Healthcare
- Delta
- Principal
- United Concordia (Military Only)
If you are unsure of benefits or network availability, please contact your insurance company.
Frequently Asked Questions
Will insurance pay for 100% of all my
child's procedures?
A lot of patients expect their insurance to pay for all of their dental fees. However, dental insurance is only meant to aid patients who are paying for dental care. If a dentist is a participating provider (or PPO), this means they have signed a contract with the insurance company and accept their dental fee schedule. There still may be fees such as deductibles, non-covered services, frequency limitations and/or percentages. However, this information often isn’t available for our dental office, so we encourage you to understand your provider’s policy. While we are more than happy to assist in estimating what your portion of the cost will be, we cannot guarantee what treatments your insurance will cover.
Does out of network insurance
pay for treatment?
Sometimes dental insurance may reimburse you or your dentist at a lower percentage than the dentist’s fee. Often, insurance companies determine their fee schedule based off of information from claims received. If your insurance company offers coverage to a large area, this coverage may not equal our dental fees. It’s common for you to owe a co-insurance amount, percentage and/or deductible.
If I have coverage,
why isn't insurance paying?
The most common reason why an insurance company isn’t paying a dental claim is because of inconsistencies with demographic or other insurance information. Your provider will need to verify your information before a payment is dispersed. It’s your responsibility to give us all insurance information, so make sure that you are providing us with correct name spellings, correct dates of birth and updated demographic information. This includes any new ID numbers or employers, as well as all subscriber information, and will be the easiest way to receive prompt payments from your insurance company.