What Can Insurance Cover?
One of the most common questions that we have at Atlanta Dental Spa is, "Do you accept my insurance?" The answer to that is yes. We do accept all insurance plans as long as your specific plan allows you to go to an out-of-network provider.
What that means is that we are not contracted with any insurance companies, so you would want to make sure that your plan, possibly a PPO plan, will let you go out of network and will pay out-of-network dental offices.
We don't know exactly how much they're going to pay, based on the treatment. We can only estimate when we call and get a breakdown of benefits from that insurance company, and also what they may have paid on services in the past. We are a fee-for-service office, so our patients do pay upfront at the time of the visit, and then we're happy to submit the claims for you. After we submit the claim, the insurance company will reimburse you directly.
How Insurance Works at Atlanta Dental Spa
Atlanta Dental Spa is not contracted with any insurance company and would be considered an out-of-network provider. Our office will help you to optimize your out-of-network benefits for your treatment. See dental financing for more. Patients are reimbursed directly by their insurance carrier after our office has submitted a claim. Atlanta Dental Spa is a fee-for-service practice, which means our patients pay for services on the day the services are provided. As with many medical providers, our fees may exceed the amount insurance carriers pay. Every dental insurance plan has different stipulations regarding access to care and payment for services rendered. Within the same insurance company, benefits may differ depending upon what type of contract employers negotiate with that carrier on an employee’s behalf. A plan may include specific inclusions and exclusions that we will not know of in advance; therefore, it is important for the patient to understand his/her dental benefits. Benefits discussed with the patient are only estimates. In the event that a patient’s insurance carrier pays under the estimated amount, the patient will be responsible for any remaining balance.
Read on for some advice for ensuring that you can take good care of your oral health and keep dental costs in check:
Prioritizing Dental Needs vs. Your Coverage
Don’t hesitate to talk to your dentist about financial concerns. If you have limited insurance coverage and don’t want to go too far above that coverage ceiling, your dentist can prioritize your dental work so that it fits your budget and your dental coverage. If you’ve got a limit per year, your dentist can schedule your needs based on that limit and could suggest the most cost effective treatments possible. (For example: if you want smile improvements but can’t afford porcelain veneers, your dentist might suggest tooth bonding or Invisalign.)
If some or all of the services you want won’t be fully covered by your insurance policy, ask about dental financing. Atlanta Dental Spa offers dental options including interest-free financing, reducing the burden by giving you a small monthly payment to make instead of a large lump sum (and instead of meaning you have to wait to get work done that you want done now). Click here to see our Dental Financing page
Talk to Your Dental Insurance Company (Atlanta)
Before having extensive work done, consider approaching your insurance company with your quote for dental work to find out exactly how much will be covered. There may be areas you’re not sure of and your insurance company can confirm, for certain, how much they will cover. This way, you won’t be left with any unpleasant surprises.
Invest in Your Smile
Yes, certain dental services aren’t covered by basic dental insurance but the difference they could make to your smile and your confidence levels could result in an amazing return on your investment. Certain dental procedures might even cost less than you expect. Why not set up a consultation with us at the Atlanta Dental Spa and find out what your options are? Sometimes you can be surprised by what we can do 🙂