Dental Insurance Accepted in La Jolla, CA

At Harmony Dental Group, we work closely with our patients to offer quality, affordable dental care in La Jolla, CA. That’s why we also accept most major dental insurance benefits, reducing your out-of-pocket investment when it comes to oral health care. Our goal is to help you utilize your dental insurance coverage to keep your smile healthy for a lifetime.

Dental Insurance Medicare Dentist in La Jolla, San Diego CA

We Accept Most Dental Insurance Plans

At Harmony Dental Group we take nearly every form of dental insurance to help lower your out-of-pocket costs, so you get the dental care you need every visit. Give us a call today for more information!

What is Dental Insurance/Dental Benefits?

Dental insurance is a form of healthcare insurance separate from traditional medical insurance coverage. Dental insurance covers the cost or a portion of dental procedures and services, such as cleanings, exams, fillings, and more.

Surprisingly, dental insurance isn’t always offered with medical insurance policies. Some employers do offer plans to their employees, while others are purchased separately by individuals and families. Depending on your oral health history and which dentist you want to see, it may or may not be worth enrolling in a separate insurance plan.

Which Treatments are Covered by Dental Insurance?

Dental insurance covers a wide range of treatments, from cleanings and exams to fillings, root canals, and dentures. If your dental treatment is only partially covered by your plan, you may have to cover the cost out of pocket. In most cases, preventative care is covered at or close to 100%, with major and basic services covered somewhere between 50-80%.

Every dental insurance policy has an annual maximum and specific criteria that treatments must fit into if they are reimbursable by your insurance plan. If you have concerns about your coverage, it’s best to talk to your employer’s HR department to discuss the specifics of your policy and where it’s accepted.

Dental Insurance Accepted in La Jolla, CA

Our La Jolla, CA dentist accepts most dental insurance companies, and we are happy to file claims on your behalf. If we are in-network, meaning we are contracted with a dental insurance company to provide services, the fees are typically easier to determine. Whereas if we are out-of-network, Harmony Dental Group will provide you with an estimated fee breakdown based on what we expect your insurance plan to cover. However, we can typically accept all or most dental insurance plans, even if we are out-of-network.

Some of the insurance carriers that we work with include:

  • MetLife
  • Cigna
  • United Healthcare
  • Delta Dental
  • Aetna Dental
  • Blue Cross Blue Shield
  • Aflac
  • Guardian
  • Humana
  • Assurant
  • Ameritas
  • Lincoln Financial Group
Dental Insurance list

What if I’m Out of Network?

We will work with your out-of-network insurance to reduce care costs whenever possible. Although many insurance plans may restrict in-network benefits to certain providers, you can normally use your plan at out-of-network dentist’s offices as long as you pay the difference in the coverage and treatment fee.

To prevent any confusion, Harmony Dental Group will always print an itemized treatment plan that lists all fees and procedures included, along with your estimated insurance benefits and patient portion. That way, you know exactly what to expect prior to scheduling any treatment. Additionally, you can always choose to finance all or a portion of your procedure when necessary.

How Dental Insurance Works

Your dental insurance plan is prevention-driven in that it’s there to help you receive preventative care that keeps your smile healthy between checkups. That’s why visits like cleanings and exams are usually covered by your plan at or close to 100%. Even services like fluoride and dental sealants—which help prevent tooth decay—are usually covered for kids.

When you do need treatment, the coverage under your insurance plan tends to drop a little. Restorations like fillings may be covered at around 75-80%, depending on your plan (every company is different.) Major services like crowns or root canals may drop to 50% in some cases. The goal is to treat issues earlier when they’re more conservative and affordable to manage.

Additionally, you’ll want to plan for meeting your deductible and remembering your “maximum allowable” amounts. These amounts are how much your insurance will cover each year, up to a set dollar amount. For example, you might have up to $1,500 a year in dental benefits after you’ve paid your deductible. You can also choose to use FSA or HSA funds on anything that isn’t covered by dental insurance or finance those amounts instead.

How Much Does My Dental Insurance Cover?

Every patient at Harmony Dental Group will receive a detailed treatment plan with an itemized insurance estimate included. That way, if you’re planning to get a filling, crown, implant, or other procedure, you can see what your insurance is expected to cover compared to the total treatment price. When possible, our La Jolla dentist will also offer alternative treatments worth considering so that you can compare them to one another and budget accordingly.

Medicare Dentist in La Jolla, CA

Harmony Dental Group is currently accepting new patients with Medicare dental insurance/benefits packages.

No Insurance? No Problem!

If you are considering buying separate dental insurance and are unsure of what your insurance needs to cover, we can help. One option is to finance your dental treatment and make affordable low monthly payments instead of enrolling in a separate insurance plan. Talk with one of our team members today to find out if you need dental health insurance, other options available to finance all of your dental treatment if you don’t have insurance, and how affordable payment options work.

Affordable Dentist in La Jolla, CA

Trying to figure out how to afford your dental care shouldn’t keep you from accessing the healthy smile you deserve. At Harmony Dental Group, we’re committed to helping our La Jolla, CA receive quality dental care, regardless of what their insurance may or may not cover. Call us today to reserve your next appointment.

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