Insurance Questions
What insurance do you accept?
We accept all dental insurances. As a courtesy to our patients, we will complete and submit all necessary paperwork for your dental insurance. Please be aware that if you have a PPO plan then your co-pays and deductible may be different. We are currently in-network providers for Delta Dental of Oklahoma. Dental insurance can be confusing and we are happy to assist you with any of your questions. Please call us for more specific information regarding your plan.
What will my insurance cover?
Your policy is based on the contract arranged between your employer and the insurance company. While we try our best, it is impossible for us to know each and every policy. Traditionally, the insurance will cover all of exams, cleanings and any necessary films. Any filling, crown or other restorative treatment is usually covered form fifty to eighty percent of the insurance’s usual, customary, and reasonable fee (UCR). Deductibles apply yearly before any benefit for restorative treatment begins. Our office has no input into what the UCR is. These figures are independently determined by each individual insurance company. Because insurance policies vary, we can only estimate your benefits in good faith but cannot guarantee benefits due to the complexities of insurance contracts. Remaining balances after receiving dental benefits are the responsibility of the patient.
Your dental plan is designed to share in your dental care costs. It may not cover the total cost of your bill. Most plans cover between 50 to 80 percent of dental services.
What are the dental yearly maximums?
Insurance has a yearly maximum. Once this maximum is reached, no dental service (including cleanings and exams) will be covered. Your plan purchaser (usually your employer) makes the final decision on "Maximum levels" of reimbursement through the contract with the insurance company. Even though the cost of dental care has increased over the years, the maximum levels of insurance reimbursements have remained the same since the 1960's.
What is the detriment of treating only what the insurance covers?
Your dental plan may only allow benefits for the least expensive treatment. The least expensive alternative is not always the best option. Just like your medical insurance, your dental plan may not cover conditions that existed before you enrolled in the plan. Even though there is no coverage, treatment may still be necessary. Certain procedures, such as sealants and implants, may not be covered at all even though it could save you money later. The best long term solution to your dental health may not be covered due to contractual limitations agreed upon by your employer and the insurance company.
Please call us for more specific information regarding your plan. Click here for more payment options.