Our office is happy to work with you and your dental insurance. However, all dental insurances are based on a contract between your employer and an insurance company. Benefits differ greatly from one insurance contract to another.
Our Office Policy Regarding Dental Insurance
We will submit all insurance claims, whether we participate or not, as a courtesy to our patients. Most insurances now accept electronic claims, which are submitted at the time of treatment. Those that do not receive claims electronically are submitted within 2 days of treatment.
Deductibles and Co-Payments
The majority of insurance companies utilize deductibles and co-payments. Each company sets their own deductibles, usually $25.00 or $50.00, that must be fulfilled each year for each patient. There is also a copayment for each filling, extraction, crown, etc that is a set percentage, usually 20% to 50% of a fee set by the insurance company. The exception to deductibles and co-pays is preventative care. The vast majority of insurance companies do pay in full for cleanings, exams and x-rays.
Pre-Determination of Benefits
When a patient’s treatment is extensive or costly, we can submit a pre-treatment estimate to the insurance company, requesting detailed information on each item of dental treatment needed and the patient’s exact financial responsibility.
Dental insurance plans we work with:
- Delta Dental
- Pro Benefits Administrators
- Cigna Dental PPO
- Independent Health Medicare Advantage
- Connection Dental
- Blue Cross Blue Shield WNY – Value Dental/ Dental Plus/ Federal Employee
We are here to help! Please call for more information about financing your oral health needs in our office!