Insurance & Financing

Insurance plans can vary widely, so figuring out what dental services yours covers can prove tricky. Fortunately, most insurances like Delta or Met Life Dental cover preventive services such as cleanings, exams, and X-rays.

If you’re unsure about what your plan covers, give us a call and we can work with you to get an accurate picture of what you can expect.

We can also provide cost estimates based on your specific insurance plan to help minimize surprise expenses.

Major insurance providers like Cigna, Met Life Dental, Delta Dental, and more typically exclude cosmetic treatments like:

• Teeth whitening
• Veneers
• Gum contouring
• Teeth reshaping

However, we partner with trusted third-party financing companies like Cherry, CareCredit, and Proceed Finance to help make care as accessible as possible.

Let’s break down exactly what these terms mean so you can better understand your insurance plan:

• Copay: This refers to how much you pay at your dental visit. If you have a $20 copay for a routine cleaning, then that’s all you’ll have to pay when you come in for your appointment.
• Deductible: Your deductible is how much you’ll pay out-of-pocket in a year before your insurance kicks in.
• Coinsurance: Coinsurance is the percentage you pay after you’ve met your deductible. So if you’ve met your deductible, you might continue to pay a percent of the cost along with insurance.
• Annual maximums: This refers to the highest amount your insurance will pay in a given year.

Before your first visit, call us ahead of time to confirm your insurance details. We help patients understand potential costs, check what their plan covers, and answer any questions you might have so you can arrive feeling prepared.

We also recommend reviewing your other financing options like Cherry, CareCredit, and Proceed Finance for treatments that might not fall under your coverage.

And remember to bring your insurance card to your appointment as well, so we can easily check any important details and prevent delays.

If you switch insurance providers, get a new job, update your plan, or renew your coverage, let us know as soon as possible.

Once we have your new information, we can reverify your benefits and make sure all your claims go to the correct place. This helps prevent delays or denials, incorrect estimates, and any confusion about what to expect.

Yes, bringing a physical or digital version of your insurance card helps our team verify your plan at your appointment.

If your insurance has changed or if you have received a new card, make sure to bring the new version. Sharing this information early helps us check your eligibility quickly, prevent delays, and provide accurate estimates for what you’ll pay.

Absolutely! Before your visit, give our office a call to verify your insurance details. We can give you an estimate for how much you’ll pay based on that information.

We always aim to give you a realistic idea of what to expect out-of-pocket—whether you have an insurance we partner with like Delta Dental, Met Life Dental, or United Healthcare Dental, or even if you have insurance that we don’t.

However, it’s important to remember that insurance estimates are not guarantees of payment.