Dental Insurance Accepted
At Harbor East Dental, we are committed to making dental care easy, convenient, and affordable for patients of all ages and stages of dental development. One way we can help you fit the cost of your family’s dental care into your budget is by processing and filing dental insurance claims. Our team works with dental benefit providers on a daily basis, so we can ensure that patients receive the maximum insurance coverage for their necessary dentistry services. If you ever have questions about your dental insurance benefits, financing options, or any of the services we provide, please don’t hesitate to contact our team. We’ll be happy to answer your questions over the phone or schedule an appointment for you to visit our office to learn more.
Your Benefit Plan
Every patient’s dental insurance policy is a unique contract between the patient, their dental insurance providers, and/or their employer. When you or your employer choose policies and coverage, you will be able to elect specific coverage based on the type of plan. Health maintenance organizations (HMO) and preferred provider organizations (PPO) are the two main types of plans. HMO plans have lower premiums, but there are more restrictions on the providers you can see and the services that are covered. PPO plans give patients greater flexibility in choosing their dental care providers and dentistry services, but they typically have slightly higher premiums. Within these two larger categories, patients can elect a widely varied range of services and coverage percentages. In many cases, patients can expect to receive the following coverage:
- 80 to 100% coverage for preventive care
- 50 to 80% coverage for restorative care
- 25 to 75% coverage for orthodontic services when elected
In-Network Insurance Benefits
At Harbor East Dental, we are not In-network providers for any HMO insurance plans. Unfortunately, these plans do require patients to visit an in-network dental care provider to receive coverage. If you have a PPO insurance plan, we’ll be happy to process and file your claims. We are also in-network providers for Cigna and Guardian plans. That means you will only need to pay the out of pocket cost of your treatment with coverage from these insurers. For other PPO plans, our fees may be slightly higher than those outlined by the dental insurance plan, but in most cases, any difference in price is negligible.
Maximizing your Dental Insurance
The easiest way for every patient to maximize dental insurance benefits is to visit our office every six months for dental checkups. These preventive services always receive the greatest percentage of coverage from your insurance plan. When you partner with our team during regular dental checkups to prevent severe oral health concerns, you will significantly reduce your risk for more advanced oral diseases that need treatment that receives lower percentages of coverage.
Our In-House Savings Plan
In addition to processing and filing traditional dental insurance claims, we also offer our patients an in-house dental savings plan. This is an excellent option for patients who do not have access to a traditional insurance plan and those who are unhappy with the coverage they receive from their dental benefit provider. By paying a low annual fee, patients receive their necessary preventive dentistry without any additional cost as well as discounts for other treatments even those not typically covered by traditional dental insurance plans. Please don’t hesitate to ask our team members about our in-house dental savings plan.
Learn More about Guardian plansLearn More about CIGNA plans