We accept most Traditional, Indemnity, and PPO insurance plans whether we are in the network or not. We will make every attempt to verify your insurance benefits and eligibility prior to your visit, as this reduces delays during your visit and allows us to serve you better. As a courtesy, we will submit your insurance claims for processing and will accept the assignment of benefits. Accepting the assignment of benefits means that we will accept payment directly from the insurance company on your behalf. In essence, this means that only your estimated co-pay is due at the time of service, because your billable balance cannot be accurately determined until after your insurance company processes your claim. However, please be aware that there is no guarantee of payment by your insurance carrier (even when a pre-treatment estimate has been received), and any balance remaining after insurance claims have been processed is the patient's responsibility.

If you are covered by two insurance policies, one policy would be considered primary and the other would be considered secondary. We will submit your primary insurance claims, but you would be responsible for paying the balance left after the primary insurance claims are processed and submitting your own secondary insurance claims to be reimbursed directly. Our office will provide you with receipts, Explanation of Benefits (EOB's) from the primary insurance carrier, and any other pertinent documents you will need to submit your secondary claim.

There are basically 3 different types of true dental insurance plans: Traditional, PPO and DMO/HMO. True insurance plans involve submitting claims for reimbursement. There are other types of dental plans which offer discounted patient fees, but there are no claims processed or payments received from the insurance company.
(1) Traditional insurance can be used at any office that will submit the claims and accept the assignment of benefits. The co-pay percentages do not vary from office to office.
(2) PPO insurance policies offer an option of care by In-Network and Out-of-Network Providers. This means that there is a list of providers considered In-Network. PPO insurance policies often have a contract with In-Network Providers, whereby the provider offers you lower fees from a pre-determined set of fees called a fee schedule, so when you visit an In-Network provider your co-pay is generally lower than Out-of-Network.
(3) DMO/HMO/DHMO insurance policies only cover services provided by In-Network Providers. This means that if you visit an Out-of-Network Provider there is no coverage. Dental or Health Management Organizations often assign you to a specific office or provider, thereby restricting your ability to choose or change providers and limiting the types of services the dentist can provide.

We are currently not In-Network with any DMO, HMO, or DHMO insurance plans. If you are uncertain about your insurance plan type, you may contact your Human Resource Department or your insurance company for clarification. A partial list of plans that we accept is provided below, but please feel free to call us for more specific information if your plan is not listed. When you call about your insurance, we will need the primary insurance holder's date of birth and Social Security number in order to access information about your benefits. (Personal information used for insurance verification is maintained with the highest level of security and confidentiality.)

- Aetna PPO
- Ameritas
- Blue Cross and Blue Shield PPO
- Cigna PPO
- CompBenefits/OHS PPO (T185, V115, CN88)
- Delta Dental (Different States)
- GE Wellness Discount Plan
- Guardian
- Humana (Out-of-Network)
- Jefferson Pilot
- Kaiser Permanente (via Delta Dental only)
- Marsh Advantage
- Medicaid
- MetLife
- Peachcare
- Principal Financial
- UniCare Discount Plan
- United Concordia
- United Healthcare (Out-of-Network)
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