INSURANCE
We accept a large number of commonly utilized PPO and HMO dental insurance plans and our office will coordinate with the insurance company and file claims on your behalf. We have experienced and knowledgeable benefit coordinators who will help you maximize your dental care benefits while minimizing your out-of-pocket cost. You will know upfront what your insurance plan will pay for and offer options for taking care of any remaining balance.
Dental Insurance Carriers
We accept most dental PPO and HMO insurance plans. Some common insurance plans that we accept include the following (if you do not see your dental insurance plan listed below, please call our office at 925-825-9663):
PPO or HMO Plan – What’s the Difference
PPO (Preferred Provider Organization)
PPO, or Preferred Provider Organization, means that the insurance company that you have chosen already has a network of dentists to choose from. These dentists have a contract with the insurance company in which they agree to pay fees for their services that are set by the insurance company. So, for example, if a dental office’s usual, customary and reasonable (UCR) fee for a cleaning without insurance is $120, the contracted fee with the PPO insurance company could be $108. Additionally, PPO plans provide you with the flexibility of using your benefit with any dentist, regardless of whether they are contracted with the insurance or not.
HMO (Health Maintenance Organization)
HMO means that you can only see a dentist that is within your approved network. HMO plans are designed to provide members with basic care at the lowest rate. Participating providers (which are but a few) receive only a monthly capitation check for patients assigned to the office. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don't pay for services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.