We Take Dental Insurance
Paying for your appointment with dental insurance shouldn’t have to be a frustrating or confusing experience. Instead, let our team help you handle the process as smoothly as possible. Many of our patients use dental insurance, and Dr. Phelan welcomes most plans. Take a look below to learn more about insurance and what you can expect.
How does dental insurance work?
Most insurances use what’s known as an “100-80-50” plan. This means that only certain percentages of your overall bill for dental care can be taken care of by insurance. Preventive and diagnostic services such as check-ups, cleanings, and X-rays are typically fully covered at 100%. Medically necessary restorative services, such as fillings or root canal treatment, are covered by 80%. Other reconstructive solutions like dental crowns and bridges are covered by 50%. Purely cosmetic procedures are typically not covered at all.
Most insurance plans also include an amount that you must pay toward your dental visits (a copay) and an annual amount that must be paid before your monetary benefits can kick in (a deductible).
Additionally, your unique dental insurance may be in-network or out-of-network with your chosen dentist. In-network means that your provider has negotiated a contract with the insurance company so that they can offer more affordable prices. Most practices will still see patients with out-of-network plans, but the cost will likely be higher. However, you may also have access to a wider range of services.
Here in Rogers, Dr. Phelan is an in-network provider with Guardian, UMR, Amritas, Liberty, Delta, Aetna, Sunlife, Mutual of Omaha, United Healthcare, Lincoln and Equitable. We’re also happy to file paperwork for most other out-of-network plans so that you’ll be sure to receive the maximum benefits available. We additionally accept cash, major credit cards, and 3rd party financing through CareCredit. If you’d like to learn more, please contact us today!