Insurance
Insurance
Dental insurance can be confusing, but our team is here to help. If you are unsure about your dental insurance coverage, please contact our office and let our team help you.
We accept all dental PPOs. To see if we are in-network with your insurance, please contact your provider. We accept traditional insurance plans but please contact our office to verify if your insurance plan is accepted.
Insurance FAQ’s
Your guide to understanding your dental benefits.
We understand that it can be difficult to understand your dental benefits. There are many different plans available, and dental insurance does not work the same as medical insurance.
Your employer selects your dental insurance plan and is ultimately in charge of the design of the contract. Each contract specifies which dental procedures are covered. This may mean that even if a procedure is necessary, your insurance may not cover these costs.
It is important to understand your dental insurance plan and what is covered. Here are some frequently asked questions that can help you understand your dental insurance:
Why doesn't my dental insurance cover all the costs of my treatment?
Dental insurance isn’t really insurance. It is not a payment to cover a loss, but a benefit provided by employers to help employees cover the costs associated with routine dental treatment. Your employer will purchase a plan from the choices offered based on the amount of benefits and the cost of the premium. Most dental plans only cover a part of the total fees for dental services.
Why aren't my dental exams and cleanings, among other procedures, covered 100% like my plan says?
Dental insurance companies typically allow 100% as payment for the procedure. This is not always what the dentists charge, but what the insurance company allows. In this case, the patient is responsible for any portion of the fee that is not covered.
Where do the allowed payments come from?
Most insurance companies have a list of payments negotiated between them and the employer or provider. These amounts are related to the cost of your dental premium. The lower the allowed amount covered by your insurance, the lower the premium paid by your employer.
What good is insurance if it doesn't cover everything?
Even if the fee for your treatment is not fully “covered”, insurance at least pays for part of it. This is important for any patient to know. Any amount covered reduces your out-of-pocket expenses. In this case, something is better than nothing!
Is my dentist charging more than they are supposed to?
This question is typically received after a patient receives an Explanation of Benefits (or EOB) from their insurance company. The amount paid for treatments are negotiated between the insurance carrier and the employer or provider, not our office. This amount is applied to your actual fee and is typically much lower than what dentists in the area are charging. This does not mean that dentists are overcharging.
Why did my insurance company change my treatment to a less expensive treatment?
This question is typically received after a patient receives and EOB. These benefits are negotiated, and often will provide only for less expensive procedures.
This less expensive treatment may not be the best solution and does not mean that the dentist should do only the less expensive treatment. At least some of the benefit is paid, and that payment can be applied to the fee for the recommended treatment. It is our responsibility to provide the best treatment for our patients. It is the insurance company’s responsibility to save (make) money.
Why doesn’t my dentist participate in my network?
We recommend and deliver the treatments that are best for our patients. We will not let a third party, someone that has very little interest in the health of our patients, influence or dictate what we know is best for the dental health of our patients.
What can I do if my insurance doesn't cover my treatment?
Insurance coverage is between the patient, their employer or provider, and the insurance carrier. Your dentist cannot force your carrier to pay for their recommended treatment. The patient must be responsible for the total cost of treatments. Patients may be able to file complaints with the state insurance board if there is a legitimate reason.
Dentist Near You
Phone:
(708) 354-7363
Address:
360 Sherwood Rd
La Grange Park, IL 60526
Hours
Monday: 8:00 AM - 7:00 PM
Tuesday: 8:00 AM - 7:00 PM
Wednesday: 8:00 AM - 3:00 PM
Thursday: 8:00 AM - 6:00 PM
Friday: 8:00 AM - 4:00 PM
Saturday: 7:00 AM - 12:00 PM
Sunday: Closed
Excellence in Dental Care for the Entire Family
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