We accept many dental insurance plans and will file claims on your behalf, saving you the time and hassle. Our knowledgeable benefit coordinators can help you maximize your dental benefits and minimize your out-of-pocket cost. We will tell you upfront what your insurance plan will pay for and offer options for taking care of any remaining balance
We accept and honor most dental insurance plans. The following are just a few of the dental insurance carriers we're providers for:
● Blue Cross Blue Sheild of North Carolina
● Delta Dental
● United Healthcare
Please call our office for more details at Lincolnton 704-748-1110 or Stanley 704-263-4646
What's a covered benefit?
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
Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to its original function.
What's the difference between indemnity, PPO, & discount insurance plans?
Indemnity or Traditional Insurance reimburses members or dentists at the dentist's UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without limitations
(Preferred Provider Organization) is the most common form of insurance. They provide members with a list of participating dentists. 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 but can be higher or lower depending upon the plan.
Understanding Your Dental Insurance
We here at Comfort and Care Dentistry want our patients to understand everything about their dental health and what really dental insurance will do or not do for you. There is a large misconception of what dental insurance is and how to best use it, so here is our attempt at explaining it.
do have a maximum payment per year and they average around $1000.00. That alone is a huge discrepancy between the two and this number has changed very little since the 1970’s when dental insurance plans began. Which means this maximum , has not risen in more than 30 years. This leads to the misconception that your cleanings and x-rays are not part of this maximum. This is because in a medical office when you get your regular check-ups your maximum is so high it doesn’t affect anything. In the dentist office, with a $1000.00 maximum you are only left with $400-$600.00 of benefits after your yearly dental cleanings. This amount is sufficient enough to work on about 1 tooth a year, if anything major is needed.