About Dental Insurance

Helping You Achieve a Healthy Smile

Dental insurance can be confusing, but we'll make it easy for you. Simply bring your card or claim into our office, or call to speak with a friendly member of our staff. We'll be happy to tell you what your insurance will cover and file your claim for you. Here are a few things you should know:

  • Dental insurance is diverse. Some policies cover only a small percentage of fees, while others cover 50% or greater. The more you or your employer pays for premiums, the better the coverage, in most cases.
  • For the most part, dental insurance covers preventive procedures, including annual X-rays, two cleanings and checkups per year, and fluoride treatments at 100%. Restorative Dentistry, such as fillings, crowns, and replacement teeth, is partially covered.
  • Cosmetic dentistry is not covered. To help with this problem, we work with CareCredit, a third-party financing company that makes dentistry affordable for virtually all of our patients.
  • CareCredit can help you afford dental implants, partials, dentures, or bridgework.
  • Your benefits are probably based on "usual, customary, and reasonable fees." These fees may not accurately reflect the cost of our services. We take time with each of our patients. To us, you're a person, not a number or a chart. Dr.Collins and our team invest in continuing education and modern technology to bring you the best dental care possible. The fees considered reasonable and customary by your insurance provider probably do not reflect the type of care and service we consider standard.
  • Your "yearly maximum" is the amount your insurance company will pay in a calendar year. Usually, the amount is $1000. If you do not use all of your yearly maximum before December 31st, you lose it. Each new calendar year, your maximum will fund again.
  • If you have dental insurance, we'll tell you your estimated portion before we treat you. Don't worry about surprises! Please be prepared to pay your portion at your visit unless prior payment arrangements have been agreed upon.
  • If your insurance provider does not pay their estimated portion, we'll bill you for the balance. Our front-office team will provide all paperwork, charts, X-rays, and photos necessary to optimize your benefits when we file your claim.