Dental Insurance and Financing


Don’t Let Dental Insurance and Financing Frustrate You. We Can Help!

INSURANCE

We accept many dental insurance plans and will file claims on your behalf, saving you the time and hassle. Our knowledgeable benefit coordinators can help you maximize your dental benefits and minimize your out-of-pocket cost. We will tell you upfront what your insurance plan should pay for and offer options for taking care of any remaining balance.

Insurance Carriers

We accept and honor most dental insurance plans. We are able to accept all traditional indemnity plans. We are also providers for several Blue Cross plans, several Cigna plans, and several Delta Dental plans. We will be happy to check your plan for you. Please call our office for more details at 423-899-1112.

Insurance FAQ

What’s a covered benefit?

Treatment that is recommended by a dentist, and accepted under the terms of your group’s plan which can differ significantly between plans.

What’s the difference between indemnity, PPO, HMO, & discount insurance plans?
Traditional Insurance

Indemnity or Traditional Insurance reimburses members or dentists at the dentist’s UCR (Usual, Customary & Reasonable fee). Typically the insurance will pay 100% of preventive services, such as cleanings and x-rays. They will usually pay 80% of work such as fillings and 50% for major work such as crowns and bridges. Typical yearly maximums are $1,000 to $2,000. This allows the subscriber to go to any dental office without being limited to a panel.

PPO

Preferred Provider Organizations provide members with a list of participating dentists from which to choose. The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings. They also assist with insurance billing. Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000.

HMO

Also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for patients assigned to the office. HMOs generally don’t pay for services rendered. This type of insurance requires a patient to be assigned to a particular doctor.

FINANCING

We offer Care Credit. Care Credit offers a way for people to finance dental treatment. They have many plans that offer no interest for as long as a year. They can issue you a card which can be used like a credit card.

Dental insurance can be confusing and intimidating give us a call and let us help navigate your way to maximize your dental benefits.

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