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

  • Blue Cross Blue Shield of Tennessee

  • Careington

  • Cigna 

  • Delta Dental

  • GEHA

  • Guardian

  • Humana

  • Lincoln

  • Metlife (PDP Plus and FED VIP plans)

  • 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)

  • Aetna

  • Ameritas

  • Blue Cross Blue Shield of Alabama

  • Blue Cross Blue Shield of Michigan

  • Blue Cross Blue Shield of Texas

  • Cigna Advantage

  • Metlife (PDP Plan)

  • Principal

  • Sunlife

  • United Concordia

  • United Concordia-Tricare
     

We are not accepting insurance from the following companies:

  • Amerigroup

  • CoverKids

  • Dentaquest

  • TennCare

  • Any HMO (Health Maintenance Organization) Plans

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. If you are concerned about your out of cost portion, please contact your Human Resources department.

 

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.

Fact 3 – We can only relay the information that insurance company tells us.

There are many plans that are available. Some are good. Some are bad. The insurance companies tell us that confirmation for today's visit and procedures are not a guarantee of payment. We have had insurances tell us that a visit is covered at 100%, only to find out that it was 100% of what they wanted to pay. Please be wary of cheap plans that guarantee great benefits. Some insurances pay on a fee schedule. 

If your insurance pays on a fee schedule, they can state that they pay 100% of a fixed benefit plan. For example, Little Johnny comes in for a cleaning and we charged $50. The insurance can pay 100% of $30 (which is their fee schedule) and the parent would owe $20. We attempt to be transparent at every step of the way. Should you have any questions, please feel free to reach out to us at 615-905-8920.

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