INSURANCE
Worried about paying for treatment? Although we are not an HMO provider, InStyle Smiles accepts most major dental insurance plans and will file claims on your behalf, saving you time and hassle. We tell you upfront what your insurance plan will pay for, what it won’t pay for, and offer alternative options for taking care of any remaining balance.
We accept and honor most major dental insurance plans.
- Aetna
- Ameritas
- Assurant
- Care Credit
- Central States
- Chase Health Advance
- Cigna
- Delta
- Geha
- Guardian
- MetLife
- United Concordia
- United Healthcare/DBP
Insurance FAQs
What’s a covered benefit? A covered benefit is a treatment that is recommended by a dentist is listed on the fee schedule and accepted under the terms of your group’s plan.
What’s optional treatment? An optional treatment is a treatment either not listed on your fee schedule or more treatments than the minimum to restore the tooth back to its original function.
What is the difference between Indemnity, PPO, HMO, and discount insurance plans? Indemnity or traditional insurance typically reimburses members or dentists at the dentist’s UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without being limited to a panel.
What is a PPO? A Preferred Provider Organization 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.
What is an HMO? A HMO is 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.
Need more information or have any questions regarding dental insurance coverage or payment options? Call InStyleSmiles at 281.980.7777 or send email to info@drgregcarroll.com.
