• Accepted Insurance Providers
• Office Policy
• Insurance Claim Facts
• Financial Agreement
• Accepted Patients for Medicaid

Insurance Providers We Accept (In-Network):

• Aetna PPO
• Ameritas PPO
• Anthem BCBS PPO
• BCBS or DNOA PPO
• Premera BCBS PPO
• Cigna PPO
• Children’s Medicaid:
  • DentaQuest
  • MCNA
  • UHC
• Delta Dental Premier PPO
• Dental Select PPO
• GEHA PPO
• Guardian PPO
• Humana PPO
• Lincoln PPO
• MetLife PPO
• Principal PPO
• TeamCare PPO
• United Healthcare PPO

Office Policy

If the patient’s dental insurance information is provided on the day of their visit, our office can file their claim. Since we file claims digitally, the insurance provider will receive the claim in a matter of days. The estimated amount that a patient’s PPO dental insurance does not pay will be collected from the patient, so it is important for them to be familiar with their plan’s benefits. PPO dental insurance companies are legally obligated to pay each claim within 30 days of receiving them. After this period, the patient is responsible to pay the remaining balance.

PLEASE NOTE: Although we file PPO dental insurance claims for our patients, we do not have a contract with any insurance companies. We cannot guarantee if the provider will accept the claim and help cover the costs of treatment. We are only able to estimate how much the patient may owe for their dental care. We cannot be held responsible for issues with filing insurance claims; our staff files these claims as a courtesy to our patients.

Important Facts About Insurance Claims

To help you understand the details of your dental insurance coverage, take a look through the facts provided below. If any changes to your insurance occur—such as your provider’s name, your address, or you undergo a change of employment—please let our office know.

1. No Insurance Pays 100% of All Procedures
Dental insurance plans are designed to help cover the cost of dental care. While every plan covers a different percentage, they usually pay about 50-80% of the total fees—not 90-100%, as many people believe. The amount your dental insurance will pay is typically based on how much you (or your employer) have paid for coverage or the contract between your employer and insurance company.

2. Our Office Does Not Determine Your Benefits
In some cases, dental insurance companies may offer reimbursements that are lower than the dentist’s fee. Insurance providers commonly explain that this reduced coverage resulted from the fee being over the usual, customary, or reasonable fee (UCR) they refer to. Unfortunately, this message can be misleading, causing many patients to think that any fee over the amount the insurance company is willing to pay is unreasonable or abnormally high. This is inaccurate.

Every PPO insurance company follows a different schedule and uses a unique set of fees they deem allowable. These fees can greatly vary between providers since each one collects data on the claims it processes. The companies then use this information to select a level they consider the “allowable” UCR charge. Many times, this data is outdated by up to five years, and the allowable charge is set by the company, allowing them to make a net profit of 20-30%.

This message of what insurance companies consider an allowable fee suggests to patients that their dentist is overcharging—when in reality, the company is underpaying—or the benefits of their plan is low. In general, the lower the cost of an insurance policy, the lower the UCR amount will be.

3. Deductibles & Co-Pays Need to Be Considered
When evaluating your dental benefits, remember that deductibles and co-payments are your responsibility. These costs are up to you to pay before your insurance provider begins coverage.

Financial Agreement

Dental services are to be paid in full at the time of service. Signature Smiles accepts cash, Mastercard, Visa, American Express, Discover, and CareCredit. We no longer accept checks. PLEASE BE AWARE THAT THE PERSON OR PARENT BRINGING THE PATIENT TO OUR OFFICE AT THE TIME OF SERVICE IS RESPONSIBLE FOR PAYMENT OF ALL CHARGES. If someone other than the parent accompanies the patient, arrangements for payment should be planned in advance.

Accepted Patients for Medicaid

Our dental office accepts dental Medicaid for kids only. Medicaid kids can be no older than 20 years old. In some cases, Medicaid covers 100% of the cost for certain treatments. Please understand that there may be exceptions and changes to Medicaid dental insurance coverage.

PLEASE NOTE: Our Medicaid dentists and staff will check the details of your coverage one day prior to your appointment date. In your Medicaid dental insurance registration/policy, your child must also be assigned to our office before your appointment.