Dental insurance is accepted at our practice, and we will gladly file claims on your behalf. We accept over 200 dental plans from dental insurance carriers such as: Aetna, Ameritas, Anthem Blue Cross / Blue Shield, Cigna, Delta Dental, GEHA, Guardian, Humana, MetLife, United Concordia, and United Healthcare. Please call our offices for insurance verification and acceptance: (913) 782-2231
If you have dental benefits, you are fortunate. Dental benefits are based upon a contract made between your employer and an insurance company to help offset the cost of your dental treatment. Please be aware, however, that dental insurance does not work in the same way as most medical insurance, and very few patients will find that their insurance covers all their treatment costs.
Although we maintain computerized histories of payments by a given company, payment amounts do change. Therefore, it is impossible to give you a guaranteed quote at the time of service. We estimate your out-of-pocket expenses based on the most up-to-date information we have, but it is only an estimate.
If you would like to know your exact insurance benefit, we will be happy to file a “pre-treatment authorization” with your insurance company prior to treatment. If you would like to do this before committing to your treatment plan, filing for the “pre-treatment authorization” will delay beginning your treatment. This extra step, however, will give you the exact out-of-pocket figures you may require.
Payments to Us
We bill your insurance as a courtesy and most insuanance companies pay us directly. Please note that if your insurance company does not pay within 90 days, we will request payment in full for services from you. If you make a payment and the insurance company makes a subsequent payment, we will refund any monies due to you upon request.
If you have any questions regarding your dental benefits, you must contact your employer or insurance company directly. Dental benefit plans will never totally pay for completion of your dental care. It is only meant to defray some of the costs of dental care.
What’s the difference in PPO and HMO plans?
PPO (Preferred Provider Organization)
This is the most common form of insurance. They provide members with a list of participating dentists to choose from. The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings. They also assist with insurance billing. Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000.
HMO (Health Maintenance Organization)
Also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for patients assigned to the office. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don’t pay for services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.