Don't wait for care. Schedule a same-day appointment at our South Meadows location!
Don't wait for care. Schedule a same-day appointment at our South Meadows location!
Understanding you Dental Benefits & coverage
Navigating insurance should never be a barrier to a healthy smile. Our dedicated team is here to help you maximize your benefits, handle the paperwork, and provide clear, upfront information about your coverage.
Insurance Plans we accept
We proudly work with a wide range of providers and will file all claims on your behalf. We work with many dental insurance plans, including:
- Aetna
- Ameritas
- Anthem Blue Cross
- Cigna
- Delta Dental
- Guardian
- MetLife
- United Healthcare
- UCCI
Don’t see your provider listed? Give us a call at 775-359-3934 to verify your specific plan.
No Insurance? We Can Help.
We believe quality dental care should be accessible to everyone, regardless of their insurance status. If you do not have a traditional dental plan, we offer In-House Membership Plans designed to provide you with significant savings on preventative care and discounts on additional treatments.
Ask us today about how our membership options can help you maintain your oral health without the complexity of traditional insurance.
How the Process Works
We strive for a ‘no-surprises’ experience when it comes to your billing and treatment.
1. Verification: Before your appointment, we verify your plan details to understand exactly what is covered.
2. Treatment Planning: Our benefits coordinator works with you to maximize your annual maximums and minimize out-of-pocket costs.
3. Direct Submission: We submit claims promptly after your visit.
4. Transparent Billing: At our office, we strive for transparent billing and clear communication about your care. While we make every effort to provide accurate estimates based on the information from your insurance company, actual coverage may vary once claims are processed. Any differences between the estimate and final payment are the patient’s responsibility.
Understanding Your Plan: PPO vs. HMO
PPO (Preferred Provider Organization)
PPO plans are the most common and offer the greatest flexibility. You can choose any dentist, but staying "in-network" allows you to take advantage of negotiated lower fees.
- Preventative: Up to 100% (exams, cleanings).
- Basic: Covered around 80% (fillings).
- Major: Covered around 50% (crowns, bridges).
(Coverage percentages shown are examples only; actual coverage levels vary by PPO plan and employer)
HMO (Health Maintenance Organization)
HMO plans, also known as capitated or prepaid plans, require you to select a primary care dentist within a specific network. These plans typically feature lower premiums and fixed copayments. While they offer cost predictability, they generally do not provide coverage for out-of-network care except in emergencies.
Dental Insurance FAQs
What if I don't have insurance?
You don't need insurance to receive high-quality care here! We offer In-House Membership Plans that provide yearly preventive care and discounts on other treatments for a simple monthly or annual fee. It’s a great way to skip the paperwork and waiting periods of traditional insurance.
What is a "Deductible" and do I always have to pay it?
A deductible is a set dollar amount (usually around $50) you must pay before your insurance starts sharing costs. The good news? Most plans waive the deductible for preventative services like cleanings and exams, meaning you may not owe anything for your routine checkups.
What is the difference between Indemnity, PPO, and HMO plans?
- Indemnity: Often called "Traditional" insurance; it allows you to visit any dentist, and the insurer pays a set portion of the dentist’s fee.
- PPO: Provides a network of dentists with discounted rates but allows for out-of-network flexibility.
- HMO: Limits coverage to a specific network of providers with fixed copays.
What if my insurance doesn't cover the full cost?
In addition to our Membership Plans, we offer various payment options and third-party financing to ensure you can receive the care you need on a timeline that works for your budget.
Ready For Your Visit? Here’s What To Do Next.
Next step: Call us before your visit to confirm your insurance benefits and make sure we have the most up-to-date information.
What to bring to your appointment: Please bring your insurance card, a photo ID, and any recent x-rays or dental records if available.