Dental Insurance
Can I Use My Dental Insurance at Your Office?
Yes—many of our patients have dental insurance.
Although we are not contracted with any dental insurance companies, we gladly work with patients who have PPO plans. As a courtesy, we submit claims on your behalf so you can receive any reimbursement or benefits available under your policy.
If you have an HMO plan, your insurance generally requires you to visit a dentist within its network and usually does not provide benefits for treatment performed outside that network.
PPO vs. HMO: What's the Difference?
PPO Plans
A PPO plan gives you the freedom to choose your dentist.
- You may visit our office even though we are out of network.
- We can submit claims on your behalf.
- Depending on your plan, your insurance may reimburse a portion of your treatment costs.
- Most PPO plans have annual maximum benefits, typically ranging from $1,500 to $2,500 per year.
HMO Plans
An HMO plan typically requires you to receive treatment from a dentist who participates in your insurance network.
- Patients usually select a primary dentist within the HMO network.
- Referrals are often required for specialty treatment.
- Benefits are generally not available when receiving care outside the network.
- Because we are not contracted with HMO plans, patients with HMO coverage are typically responsible for the full cost of treatment received in our office.
Why Many Patients Choose Our Practice
Many of our patients have dental insurance but choose our office because they are looking for more than routine preventive care.
Patients often come to us for:
- Comprehensive evaluations
- Second opinions
- Emergency dental care
- Cosmetic dentistry
- Smile makeovers
- Crowns and bridges
- Dental implants
- Full-mouth rehabilitation
- Complex restorative treatment
Our focus is on providing personalized treatment recommendations based on your needs—not on insurance company limitations.
Why We Are Out of Network
Insurance companies often limit coverage based on annual maximums, frequency restrictions, and predetermined fee schedules.
By remaining independent from insurance networks, we maintain the flexibility to recommend the treatment, materials, and techniques that we believe are in our patients' best interests.
Our commitment is to providing exceptional dental care and helping patients achieve the best possible long-term outcomes.
Questions About Your Insurance?
Dental insurance benefits vary significantly from one plan to another. Coverage, reimbursement amounts, deductibles, annual maximums, exclusions, and claim processing policies are determined solely by your insurance provider.
As a courtesy, we submit claims for patients with PPO plans. However, all coverage decisions, reimbursement amounts, and payment timelines are determined by the insurance company and cannot be guaranteed by our office.
We encourage patients to contact their insurance provider directly for specific questions regarding benefits, eligibility, and reimbursement. If you would like to schedule an appointment, our team will be happy to assist you.
Financing & Payment Options
Need additional flexibility?
Many patients combine available PPO insurance benefits with financing options to help make treatment more affordable.
Learn more about our Financial Options.
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