Dental Insurance

AFFORDABLE DENTISTRY TO KEEP YOU SMILING

At Coastal Dental Associates, we know how important it is for our patients to receive affordable dentistry services. As a courtesy to our patients, we will file all insurance claims free of charge. Our office is committed to helping you maximize your insurance benefits. 

Estimated co-pays and deductibles are due at the time of service. 

Any remaining balance due after the insurance company pays will be the patient’s responsibility and is due within 30 days of invoice. 

We work with dental benefits on a regular basis, so we understand your dental insurance policies and can help you demystify treatment coverage. If you ever have questions or want to find out more about your insurance benefits, please don’t hesitate to contact our team to learn more. We’re always happy to help.

HOW DENTAL INSURANCE WORKS

Each dental insurance plan is different. We’ll need to review your individual policy before we offer coverage estimates. Please remember that no insurance company’s policy will cover all dental costs. Some companies pay fixed allowances for certain procedures, and others pay a deductible amount, co-insurance, or the balance remaining unpaid by your primary insurance company.

We will be happy to assist you in obtaining the maximum benefits to which you are entitled; however, the agreement of your insurance company to pay for your dental care is a contract between your insurance carrier and you. We estimate patient deductibles and co-pays as best we can based upon the information provided to us by you and your insurance company. 

Most benefit plans provide some combination of the following coverage:

  • 100% preventive care covered
  • Minor restorative care around 70%-80% covered
  • Major restorative care around 50%

WHAT IS THE DIFFERENCE BETWEEN DENTAL & MEDICAL INSURANCE?

The main difference between medical and dental insurance is the focus of coverage. Medical benefits provide the greatest amount of coverage for emergencies and chronic illnesses. Dental benefit plans offer the most coverage for preventive services. Most dental plans also allow patients the flexibility to choose whatever dentist they prefer and still receive benefits. Medical plans are more restrictive about which providers you can visit in order to receive insurance coverage.

IN-NETWORK COVERAGE

We offer in-network coverage for Delta Dental,Cigna and Anthem BC/BS dental insurance providers. We are also more familiar with the policies available from these plans, so our team members can answer your questions more quickly and accurately. We offer in-network dental insurance benefits for all of the following insurers:

  • Cigna
  • Delta Dental PPO Plus Premier
  • Anthem BlueCross BlueShield (some plans)

OUT OF NETWORK COVERAGE

We process claims for both in and out of network dental benefit providers. Even if we aren’t in-network with your dental insurance plan, we can still process and file dental insurance claims to help you maximize coverage. We have many patients who come to our office and they are “Out of network” however, the dental plan they have allows them to have the same coverage “in” or “out” of network. Please check with your insurance company. We do our utmost to keep pricing affordable, so differences in pricing are negligible. If you’re ever concerned about pricing or coverage, please don’t hesitate to talk to one of our team members about coverage. We’re always happy to help.

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We are here to help! Please call for more information about financing your oral health needs in our office!