Insurance Information

Insurances We Accept

We accept all insurances at this office except Medicaid. A rule of thumb: If your policy ends in PPO that usually means you are eligible to see any dentist that you choose. Your dentist would not need to be part of your insurance network. If your dental insurance is through Metlife or Delta Dental Premier, our office would be considered In-Network. Seeing an In-Network provider means that particular dentist is contracted to charge the In-nNetwork fees for your dental work.

However, if your policy ends in DPO and is any other company besides Metlife or Delta Dental Premier, then you must choose a dentist from an In-Network list that can be provided to you by your insurance company.

What does In Network/Out of Network mean?

What "In-Network" means is that Dr. Myers is contracted with that particular insurance company to charge their policy holders reduced rates. Some insurance plans require the patient to see a doctor that's in-network (DPO policy), and other plans allow the patient to see any doctor they choose (PPO policy). To find out what your dental plan allows, you can call the customer service number on the back of your insurance card, and the representative can give you specific information on your particular plan.

How do I know what dental work will be covered by insurance?

To get a general overview of your coverage through your insurance, you can call the customer service number on the back of your insurance card and follow the prompts to the Eligibility and Benefits category. The representative can tell you how many cleanings, x-rays, and exams will be covered per year. They can also inform you of any age restrictions on things such as sealants and fluoride.

If you are needing more specific information on a particular procedure that you need done, our front office staff can send a Pre-Treatment Estimate to your insurance company along with a copy of your x-rays. The insurance company will then send the patient and the dental office a explanation of benefits (EOB) that will be covered for that particular procedure. It usually takes about a month to receive this explanation in the mail. Just ask our front office staff for more information.

Are all insurances created equal?

I bet you already guessed that the answer is no, and you are very right. Insurance policies are specific to each policy holder. For example, Metlife may cover x, y, and z for one person, but only x and y for another. This is due to the guidelines each person has stated in their insurance policy. To find out information about your policy, you can contact your company's Human Resources department or contact the insurance company directly.

What if my insurance will not cover a procedure?

Your doctor tells you that you need a procedure done, but your insurance company says they will not cover the costs. What should you do? -- The solution to this problem is going to be different for every person. You must realize a few things in order to make an educated decision: first, you must realize that just because an insurance company will not cover a procedure, that does not mean that you do not need the procedure done. If you trust that your doctor is prescribing treatment based on your well-being, then you may want to consider some sort of payment plan to pay for the procedure anyways. If you have any doubts that the procedure is absolutely necessary, Dr. Myers is always willing to sit down with a patient to explain the diagnosis and other possible options.

How long does it take insurance to make a payment?

On average, it takes insurance companies 2-4 weeks to make a payment, and sometimes longer. When the insurance makes the payment on your dental claim, they will send you a copy of the amount they paid to the dental provider as well as an explanation of why they paid that amount. If you recieve this in the mail and have questions about what they paid, feel free to contact our front office staff, and we would be happy to assist you.