THE GREAT INSURANCE BATTLE
Understanding Your Insurance Benefits
We know that understanding insurance isn't always the easiest part of your day, so we thought we would answer a common question for our patients in the hopes to provide some clarity.
Insurance
Bigger Dental Offices (Perfect Teeth, Comfort Dental, Modern Dental, etc) are financially able to afford in-network plans with most insurance companies. We are still able to serve patients as an out-of-network provider - check to see if your plan offers "out-of-network benefits". It is ultimately the patient's responsibility to verify their insurance plan's participation with our office. We try our best to receive information from the insurance company from your behalf but are more limited as of 2024.
Contracted Insurance Plans
Aetna
Delta Dental Premier
Also known as 'PPO-Premier'
- Not 'Delta Dental PPO'
- Call Delta and ask them if you have "Premier coverage"
- If your plan is "PPO Only", ask them if you have out-of-network benefits so that you can still use your plan at our office
Humana Medicare
- Not 'Humana PPO'
Principal
Ameritas
Guardian
Diamond Discount Plan
No Insurance? No Problem! We believe everyone deserves a healthy smile. That's why we created our exclusive Diamond Discount Plan! Enjoy significant savings on quality dental care with our simple, affordable membership. Say goodbye to insurance hassles and hello to a brighter smile. Call us today to learn how you can join!
Common Insurance Questions
What is the difference between being in-network vs. out-of-network?
Understanding In-Network vs. Out-of-Network
Here's a simple example:
In-Network:
- For a $250 service, the negotiated rate might be $175.
- Your insurance pays, for example, $140.
- Your out-of-pocket cost is $35.
Out-of-Network:
- For the same $250 service, you pay the full amount.
- Your insurance still might pay $140.
- Your out-of-pocket cost is $110.
Key takeaway: Going out-of-network typically means higher out-of-pocket costs. Your exact costs depend on your specific dental plan.