Insurance & Payment

No Insurance? Ask about Discount Dental Services (DDS)

If you don’t have dental insurance (or your plan’s benefits are limited), ask us about our in‑office Discount Dental Services (DDS) membership program. Every year hundreds of patients choose our Discount Dental Services (DDS) plan over other dental insurances, because it’s simply better. Ask us about our DDS plan!

Contracted / In-Network Providers

Below is our current list of contracted providers. Network status can change; existing patient restrictions noted with an asterisk (*). Please call to confirm if you have questions about a specific plan.

  • Aetna
  • Delta Dental PPO* (existing patients only)
  • Delta Dental Premier* (existing patients only)
  • DMBA
  • Guardian
  • MetLife
  • PEHP
  • Regence Blue Cross Blue Shield
  • Select Health* (existing patients only)
  • SunLife
  • United Healthcare

Not seeing your carrier? Call us — some plans process out-of-network with similar benefits. We’ll help you compare.

What We Do For You

  • Submit electronic claims promptly
  • Provide necessary documentation (x‑rays, narratives) when requested
  • Help you estimate out‑of‑pocket costs before treatment

What Insurance Typically Does Not Cover Fully

  • Cosmetic/aesthetic services
  • Some implant components
  • Upgraded materials where a standard alternative exists

Your Responsibility

Insurance rarely pays 100%. You are responsible for the portion insurance does not cover (co‑insurance, deductible, amounts over plan maximum). Final insurance processing may differ from estimates.

If you have questions about coverage for a specific procedure, please call with your insurance details and we’ll help you find out.

Submitting & Processing Claims

  1. Claim sent electronically (usually within 1–2 business days of treatment)
  2. Insurance processes and issues Explanation of Benefits (EOB)
  3. We apply payment to your account and bill/credit any difference

Please retain your EOB for your records—it explains how your claim was processed.

Payment Options

We offer several convenient ways to pay any portion not covered by insurance or for procedures without coverage.

At Time of Service

  • Cash
  • Debit / Credit cards (most major cards)
  • HSA / FSA cards (eligible services only)

After Insurance

When insurance processes differently than estimated, we will notify you of any remaining balance and options.

Financing

For larger treatment plans (implants, extensive restorative) we can discuss phased treatment or direct you to third‑party financing resources. Ask us for current options.

Estimates vs Final Costs

Treatment estimates are based on the information available from your insurer and typical processing. Final patient responsibility may change if:

  • Annual maximum is reached mid‑year
  • Frequency limitations apply (e.g., cleanings, x‑rays)
  • Waiting periods or downgrades affect benefits

We will communicate any material changes before proceeding with optional treatments.

Questions?

Call us at (801) 785-2631. We’re happy to walk you through insurance terms or help you plan payment for upcoming care.