We are in-network with the following Insurance Companies:​​

  • Ameritas

  • Blue Cross Blue Shield of Tennessee

  • Careington

  • Cigna

  • Delta Dental

  • GEHA

  • Guardian

  • Humana

  • Lincoln

  • Metlife (PDP Plus and FED VIP plans)

  • United Concordia

  • United Healthcare

  • UMR

  • These are subject to change. If you have a question, please contact us.

These are some of the Insurance Companies Plans that we are out-of-network:

(These are plans that are commonly asked about. We accept payment from these plans, but your patient portion may be higher than if you went to an in-network provider)

  • Blue Cross Blue Shield of Alabama

  • Cigna Advantage

  • Metlife (PDP Plan and State of TN Plan)

  • United Concordia-Tricare

We are not accepting insurance from the following companies:

  • TennCare

  • Amerigroup

  • CoverKids

  • Dentaquest

Our Office Policy Regarding Dental Insurance

If we have received all of your insurance information on the day of the appointment, we will be happy to file your claim for you. You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. You are responsible for any balance on your account after 30 days, whether insurance has paid or not. We will be glad to send a refund to you if your insurance pays us.


Please understand that we are in network with most insurances but will file to ALL insurance companies as a courtesy to our patients. We are not responsible for how out of network insurance companies handle its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim. We also can not be responsible for any errors in filing your insurance. Once again, we file claims as a courtesy to you.

Fact 1 – Very few insurances pay 100% of procedures
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage, or the type of contract your employer has set up with the insurance company.


Fact 2 – We do not determine what the insurance companies pay
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable, or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules, and each company uses a different set of fees they consider allowable. These allowable fees may vary widely, because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.