Insurance

Dental insurance can help make the cost of your oral needs more manageable by paying a portion or all the fees associated with your office visit and treatment.  If you’re enrolled in a dental insurance plan, Glenrose Dental staff members will help you to understand your coverage.  We accept a wide variety of dental insurance plans and will file claims on your behalf, saving you the time and hassle.  We will tell you upfront what your insurance plan will pay for and to help you maximize the benefits your insurance provides and minimize your out of pocket costs based on your dental needs.

Insurance Carriers

We accept and honor most dental insurance plans.  The following are just a few of the dental insurance carriers we are a provider for:

Insurance FAQ

What’s a covered benefit?

Treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group’s plan.

What’s optional treatment

Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to its original function.

What’s the difference between indemnity, PPO, HMO, & discount insurance plans?

Indemnity or Traditional Insurance

Usually offered by employers or unions, indemnity insurance will reimburse you for the cost of treatment provided by any dentist you select at the UCR (Usual, Customary, & Reasonable fee). This allows the member to go to any dental office without being limited to a panel.  Some plans cover the complete cost of treatment, while others cover a certain percentage or dollar amount toward the total cost.

Preferred Provider Organization (PPO) Plans

PPO is the most common form of insurance. They provide members with a list of participating dentists to choose from. Insurance will pay for the cost of treatment (% depending on your plan) when you visit a dentist within the PPO Network’s list of Preferred Providers (less any co-payments your plan requires you to make). If you choose to visit a dentist that is not part of your Preferred Provider Network, your co-payments will be higher.  Most companies pay 50% on major treatment (crowns, bridges, periodontal treatment, removable appliances), 80% for basic care (fillings), and up to 100% for preventive care (exams, x-rays, basic cleanings).  Annual maximums generally range from $1,000 to $2500

Health Maintenance Organization (HMO) or Prepaid Plans

HMO insurance is considered prepaid because during your enrollment period you select a dentist from the HMO’s list of providers.  HMOs generally do not pay for services rendered, but the cost of your treatment will be significantly reduced and you may have some copayment for your needed treatment. Co-payments are usually a fixed amount (assigned by your insurance plan) rather than a percentage of the total cost.  Not all procedures are necessarily covered benefits under this type of plan. HMOs was designed to provide members with basic care at the lowest rate.