Insurance

We work with most major PPO dental carriers and many indemnity plans, and we regularly see patients covered by MetLife, Delta Dental, Cigna, Aetna, and United Healthcare, among others. Because coverage details differ by employer and policy, the best way to confirm your specific benefits is to give us a call with your member ID ready. If we're out-of-network with your plan, we can usually still file your claim and you'll receive partial reimbursement directly from your insurer.

In-network means we've agreed to your insurer's negotiated fee schedule, which typically means lower out-of-pocket costs for you and direct billing handled entirely by our office. Out-of-network simply means your plan doesn't have that negotiated agreement with us, but most PPO plans still reimburse a percentage of the fee, usually submitted on your behalf. We'll always tell you upfront which situation applies to your plan so there are no surprises.

For routine cleanings and exams, many plans cover the full cost, so you may owe little to nothing at the time of service. For larger treatments such as crowns, bridges, or root canals, we collect your estimated patient portion at the visit and file the claim with your insurer for the remaining balance. We'll walk you through the numbers in advance, so you can decide how you'd like to proceed before any work begins.

Plenty of our patients don't have dental coverage, and that's completely fine. We'll give you a clear, itemized estimate before treatment and can discuss phased treatment plans so necessary care isn't delayed over cost. Ask our front desk about payment arrangements available for larger treatment plans at the time of your visit.

Acceptance of Medicaid and Medicare Advantage dental add-ons varies by specific plan and administrator, so this is one area where a quick phone call really matters. Give our office a call with your plan name and member ID, and we'll let you know right away whether we're able to accept it and what it covers. If we're unable to accept a particular plan, we're happy to discuss self-pay options instead.

Our billing team submits claims directly to your insurance carrier on your behalf for both in-network and most out-of-network plans, including any supporting X-rays or documentation your plan requires. You generally won't need to mail or fax anything yourself. We also follow up on outstanding claims and will reach out if your insurer requests additional information.

If an insurer denies or reduces payment on a claim, we review the explanation of benefits with you and, when it looks like an error or missing documentation, we'll file an appeal with additional clinical notes on your behalf. Denials are sometimes tied to plan exclusions or waiting periods rather than anything about the treatment itself, so we'll help you understand exactly why it happened. You're always welcome to call our billing coordinator directly if you have questions about a statement.

Yes, if you're covered under two dental plans, for example your own employer plan and a spouse's plan, we can coordinate benefits between the two carriers to maximize what's covered. One plan is designated primary and the other secondary, and we'll file with both so you're responsible for the smallest balance possible. Just bring both insurance cards to your appointment, or give us the information over the phone beforehand.