Dental insurance is often confusing and challenging to understand. We have supplied this information in an effort to simplify and inform our clients of general insurance information. If you have any questions of your specific benefits an administrative staff member would be happy to help you.
A PPO (Preferred Provider Organization) dental insurance plan is a network of dental providers who have a current contractual agreement to provide insured members with services at a reduced rate. PPO also allows the patient to choose a provider outside the network: however, this may result in a reduction in reimbursement.
An Indemnity Plan allows the patient to choose their own provider and reimburses up to the plans fee schedule. There is no dental provider assigned or to choose from.
An EPO (Exclusive Provider Organization) may or may not be similar to an HMO. Some EPO plans allow the patient to go to any provider and others may require the patient to see an EPO provider for coverage. Please call the office and we will be happy to help you with your particular coverage.
An HMO (Health Maintenance Organization) is a type of plan that requires you to restrict your services to dental providers that are in the HMO network and you are assigned to one provider. We are not an HMO provider but see many patients with HMO plans who choose not to use their insurance plans and still come to us. You may be interested in our Quality Care Plan in this case.
Below is a list of insurances we work with. Please call the office to see if your particular dentist is in network for your plan.
• Delta Premier and Delta PPO
• Metlife (Metropolitan)
• Blue Cross (Grid Plus and Blue Cross 200 and 300 plans)
• Dental Health Alliance / Assurant / United Concordia Alliance network/Aetna
• Dental Benefit Providers
• Limited Guardian under Aetna
• First Dental Health / limited Ameritas plans / limited Principal/ limited Humana
• United Health Care / limited Blue Shield plans under Dental Benefit Providers
• Connection Dental and Alliance Network
We may be a contracted provider for an insurance plan not listed, please call with your particular coverage information. The plan may be administered by one of the insurance companies above.
Dental insurance is a contract between the patient or employer with the insurance company. The dental office has no control of payments or reimbursement by the insurance company. We will make every effort possible to assist you with your particular coverage. Although it is not required, we will prepare and submit your insurance claim at no cost as a courtesy to our patient.
We are happy to help you with your particular coverage please call or email the office so we may help you.