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Insurance Plans We Accept

House of Smiles Pediatric Dentistry & Orthodontics works with most major dental insurance providers to help make quality pediatric dental care accessible and affordable for your family. We understand navigating insurance can be complex, so our knowledgeable team handles the paperwork and works directly with your insurance company to maximize your benefits. We’re committed to helping you get the most value from your dental insurance plan.

Major Insurance Providers

Delta Dental

As one of the nation’s largest dental insurance providers, Delta Dental offers comprehensive coverage for pediatric dental care:

  • Delta Dental PPO: Preferred Provider Organization plans with network savings
  • Delta Dental Premier: Traditional fee-for-service plans with flexibility
  • Delta Dental Individual Plans: Direct-pay plans for individuals and families

Cigna provides comprehensive dental coverage with flexible plan options:

  • Cigna Dental PPO: Preferred provider networks with reduced costs
  • Cigna Dental Indemnity: Traditional plans with provider choice flexibility
  • Cigna Total Dental Care: Comprehensive coverage including orthodontics

Aetna offers extensive dental coverage for pediatric and orthodontic care:

  • Aetna Dental PPO: Network-based plans with cost savings
  • Aetna Dental Indemnity: Traditional plans with provider flexibility

MetLife provides comprehensive dental insurance for families:

  • MetLife Preferred Dentist Program (PDP): Network savings and flexibility
  • MetLife TakeAlong Dental: Portable coverage for changing needs
  • MetLife Federal Employee Program: Coverage for federal employees

BCBS offers dental coverage through various regional plans:

  • Blue Cross Blue Shield PPO: Preferred provider networks
  • Blue Cross Blue Shield Individual Plans: Direct-pay options
  • Blue Cross Blue Shield Federal Employee Program: Government employee coverage

Major Insurance Providers

Humana

Comprehensive dental coverage with pediatric focus:

  • Humana Dental PPO: Network-based savings
  • Humana Individual Dental Plans: Direct-pay coverage
  • Humana Medicare Advantage: Dental coverage for Medicare beneficiaries

Extensive dental coverage options:

  • United Healthcare Dental PPO: Preferred provider networks
  • United Healthcare Individual Plans: Direct-pay options

Comprehensive dental insurance with family-friendly options:

  • Guardian Dental PPO: Network-based savings
  • Guardian Individual Plans: Direct-pay coverage
  • Guardian DentalGuard: Comprehensive family coverage

Reliable dental coverage for families:

  • Principal Dental PPO: Preferred provider networks
  • Principal Individual Plans: Direct-pay coverage

Principal Group Plans: Employer-sponsored coverage

State Programs

State-Specific Programs

  • State Children’s Health Insurance Programs: Supplemental coverage for children
  • Low-Income Dental Programs: State-funded dental assistance
  • School-Based Health Programs: Dental coverage through school districts
  • Community Health Center Programs: Federally qualified health center coverage
Dental checkup teenage patient boy and dentist nurse at stomatology clinic

Specialty and Niche Providers

Anthem

Comprehensive dental coverage options:

  • Anthem Dental PPO: Network-based savings
  • Anthem Individual Plans: Direct-pay coverage

Flexible dental coverage options:

  • Assurant Dental PPO: Preferred provider networks
  • Assurant Individual Plans: Direct-pay coverage
  • Assurant Group Plans: Employer-sponsored coverage
  • Assurant Voluntary Plans: Employee-elected coverage

Reliable dental insurance options:

  • Lincoln Dental PPO: Network-based savings
  • Lincoln Group Plans: Employer-sponsored coverage
  • Lincoln Individual Plans: Direct-pay options
  • Lincoln Voluntary Plans: Employee-elected coverage

Comprehensive dental coverage:

  • Sun Life Dental PPO: Preferred provider networks
  • Sun Life Group Plans: Employer-sponsored coverage
  • Sun Life Individual Plans: Direct-pay options
  • Sun Life Voluntary Plans: Employee-elected coverage

Understanding Your Coverage

Preventive Care Coverage

Most insurance plans provide excellent coverage for preventive care:

  • Routine Cleanings: Typically covered at 100%
  • Comprehensive Exams: Usually covered at 100%
  • Digital X-rays: Generally covered at 100%
  • Fluoride Treatments: Often covered at 100% for children
  • Dental Sealants: Frequently covered at 100% for children

Coverage for basic dental treatments:

  • Fillings: Typically covered at 70-80%
  • Extractions: Usually covered at 70-80%
  • Pulpotomies: Often covered at 70-80%
  • Space Maintainers: Frequently covered at 70-80%
  • Emergency Treatments: Generally covered at 70-80%

Coverage for more complex treatments:

  • Crowns: Typically covered at 50%
  • Root Canals: Usually covered at 50%
  • Oral Surgery: Often covered at 50%
  • Complex Procedures: Generally covered at 50%

Not all plans include orthodontic benefits:

  • Orthodontic Coverage: When included, typically covered at 50%
  • Lifetime Maximum: Usually $1,000-$2,000 per child
  • Age Restrictions: Many plans limit coverage to children under 19
  • Waiting Periods: Some plans require waiting periods before coverage begins
people, medicine, stomatology and health care concept - happy male dentist showing toothbrush to patient girl and her mother at dental clinic office

Insurance Verification Process

Benefits Verification

We verify your benefits before your appointment:

  • Coverage Verification: Confirm your plan is active and current
  • Benefit Analysis: Review your specific coverage levels
  • Deductible Information: Determine remaining deductible amounts
  • Annual Maximum: Check remaining annual benefits
  • Prior Authorization: Identify treatments requiring pre-approval

Pre-Treatment Estimates

We provide detailed cost estimates:

  • Treatment Costs: Complete breakdown of procedure costs
  • Insurance Coverage: Estimated insurance payment amounts
  • Patient Responsibility: Your expected out-of-pocket costs
  • Payment Options: Available payment plans and financing

Claims Processing

Direct Billing

We handle insurance claims for you:

  • Electronic Claims: Fast, efficient claims processing
  • Direct Payment: Insurance payments sent directly to our office
  • Claim Tracking: Monitor claim status and follow up as needed
  • Appeals Process: Handle claim denials and appeals

Coordination of Benefits

For families with multiple insurance plans:

  • Primary Insurance: Determine which plan pays first
  • Secondary Insurance: Coordinate benefits between plans
  • Maximum Benefits: Ensure you receive all available benefits
  • Claim Sequencing: Proper order of claims submission
Teen girl with the help of dentist wear medical gloves.

Frequently
Asked Questions

What if my insurance plan isn't listed?

We work with many insurance providers not listed here. Contact us to verify your specific coverage.

While we prefer in-network plans for maximum savings, we can work with out-of-network insurance.

We offer various payment plans and financing options for uninsured families.

Our team will verify your benefits and provide detailed coverage information before treatment.

Some medical plans cover dental emergencies, and we can help determine coverage.

Dental checkup teenage patient boy and dentist nurse at stomatology clinic

Getting Started

Insurance Verification

Before your first appointment:

  • Provide Insurance Information: Share your insurance cards and member information
  • Verify Benefits: We’ll check your coverage and benefits
  • Understand Costs: Receive detailed cost estimates for planned treatments
  • Plan Payments: Arrange payment for any out-of-pocket expenses

Ongoing Support

Throughout your treatment:

  • Claim Monitoring: We track all claims and follow up as needed
  • Benefit Updates: Stay informed about changes to your coverage
  • Maximizing Benefits: Strategies to get the most from your insurance
  • Annual Planning: Plan treatments to maximize annual benefits