We accept most dental insurance plans and have patients from several dozen different dental plans that choose our office.
We currently are participating providers with the following dental insurance companies:
- All Branches of Delta Dental (We are a Premier provider)
- Aetna Dental PPO and PPO II
- Blue Cross Blue Shield of Michigan Blue Dental PPO
- Dental Select
- First Priority Health & Life
- Highmark Companies
- Meritain Health
- Physicians Mutual
- Reliance Standard
- United Concordia (Only the Elite Plus Plan)
This means that we’ve negotiated set fees with them for various dental services.
Even though we participate with those two dental insurance companies, they still sometimes pay less than half of the cost of certain procedures, depending on the dental insurance plan that your employer has selected.
Will You Pay More if You Go Out of Network?
This depends on the contract between your employer and the insurance company. Some employers choose plans that cover 100% of routine preventive dental care as well as a majority of the cost of other dental procedure. Other employers may select insurance plans that don’t cover very much of a procedure.
For example, at the beginning of 2021, Centra switched their dental benefits plan to Metlife from Anthem. Although we are out of network with Metlife, we have found that they normally pay 100% of preventive and diagnostic procedures such as exams, x-rays, cleanings, and sealants.
Unfortunately, dental insurance isn’t true insurance that will cover your teeth should something catastrophic occur. It’s easier to think of dental insurance as a pre-payment plan towards dental work, since that’s what it really is. Most dental insurances will only pay a limited amount towards your dental treatment each year. For some plans, this is as little as $1000. After having all of your x-rays, exams, and cleanings, it’s easy to see how plans with such a small annual benefit don’t provide much “insurance” for you at all.
If you have any questions about how much will be covered, please reach out to us. We will be happy to send in a pre-determination of benefits to your insurance company so you can have transparent pricing for your dent
No Dental Insurance? We Offer Lynchburg Dental Plan!
If you don’t have dental insurance through your employer, check out the dental plan we offer: Lynchburg Dental Plan. For one low yearly fee — as low as $160/year for kids — you can get their two cleanings, exams, all needed routine dental x-rays, an emergency exam, and fluoride applications plus 20% off of our normal fees for any needed dental treatment!
If you have any questions regarding insurance, or would like us to calculate an estimate of how much you would pay for your dental visits, please get in touch with us.