Littleton Dental goal is to make our services affordable and accessible to our patients, therefore we accept most PPO and indemnity plans. If you have dental insurance, we file claims as a courtesy for our patients.
Important information you need to know about dental insurance
Selecting or Changing Your Dental Plan
Prior to choosing or changing your dental insurance plan there are some important factors to consider. First, some plans do not allow for choice of dentist, but rather provide a list of limited and approved dentists. Please be aware choosing a dentist from a list is not freedom of choice. Therefore, if we are not on your approved list please ask why we have not elected to participate.
What does dental insurance cover?
It is essential to remember that dental insurance plans are most frequently a business arrangement between the insurance company and an employer. Furthermore, plans are typically established to assist or pay a portion of dental care expenses rather than pay the full amount of dental care needed. Dental plans may discourage certain treatments, for instance, dental sealants are often not covered. Your dentist may however recommend this treatment and in the case of sealants this treatment may prevent tooth decay and hence save you money on future treatments. Therefore, it is essential to know what your plan covers and what its limitations. Often plans do not cover recommended treatments, this does not however mean that the treatment is not necessary or beneficial for your overall oral health. Please do not hesitate to ask your dentist regarding the specifics of treatments and what is covered versus what is necessary.
Pre-existing dental conditions are not covered by all insurance plans and some plans may not cover treatments such as dental implants, referrals to specialists and other dental needs. Therefore, you and your dentist may agree on an appropriate and preferred treatment method for your dental condition and your dental plan may only pay a portion of that treatment or not cover it at all. Dental plans may also only pay a portion of the treatment that is deemed the least expensive alternative treatment (LEAT). It is important to remember the LEAT is determined by the insurance company and may not always be your first choice or the best option for your oral health.
The terms “usual, customary, and reasonable” (UCR) may be used to determine the portion of your dental treatment that your insurance plan will cover. The UCR levels are determined by administrators at the insurance companies and may differ greatly amongst plans. Therefore, depending on your plan your coverage of varying dental treatments may vary significantly in what portion is covered and what portion the patient is expected to pay.
Questions to consider prior to selecting a new dental insurance plan
Insurance Benefit Gaps
Patients often are surprised to find that their insurance benefits do not cover all the treatment their dentist recommends. Dental insurance benefits for the most part have remained at the same level for more than two decades, leaving patients to pick up any added costs out-of-pocket. In recent years, payment options have emerged to help patients bridge the gap between what their insurance covers and the total cost of care. Littleton Dental will accept cash, personal checks or major credit cared, Littleton Dental also offers outside monthly financing program. For more information, an online application go to : Care Credit, Chase Health Advance and Springstone Financial.