Insurance providers
No one should have to choose between caring for their teeth and paying their bills. We understand that the cost of dental care can be prohibitive for some, and that is why we can match you with financing vendors and payment options so you don’t have to make that choice. We want to ensure that even the most advanced dentistry treatments are available to all of our patients. We will walk you through all the costs of treatment before we begin any procedure so you will never suffer from “sticker shock.” We currently accept dental insurance from Cigna, Aetna, Dental Select, Delta Dental, Regence, and MetLife.
1. DHO/HMO Coverage
This is a managed-care insurance plan that requires the patient to visit a dentist who has signed a contract with the carrier for this type of coverage. Although this coverage is often the most affordable for your employer to purchase, it forces the patient to choose from a very small list of dentists. The list of dentists is short because the compensation for the dental office is so poor that it often does not cover expenses for optimal dental treatment. Our office does NOT accept this type of insurance.
3. Fee for Service Coverage
This is the traditional type of insurance policy that allows their clients to see any dental office they wish and pays a specific percentage of dental work. Unfortunately, this type of insurance is not always offered to employees, or often is the most expensive of the employee’s choices.
2. Preferred Provider Coverage
This is currently the most common of the insurance policies. It is important to note that there are two types of PPO’s. The first allows you to “go outside the network” and therefore see any dentist you wish; and the other does not allow you to go outside the network. We are not included in any PPO plan directly, so if your coverage does not allow you to “go outside the network” then we cannot accept your insurance. However, much more commonly, PPO’s will allow their clients to see whomever they choose (go outside the network). 70% of our patients have chosen to go outside their network. Note that when you do go outside the network, the insurance company states that you will have to pay more than if you stay in the network. Our experience has shown that these patients often pay the same amount for recall hygiene visits, and just 5-10% more for restorative visits when compared to patients who stay within their network.