The DentalWarriors: Insurance Plans Accepted

Dental Insurance Plans accepted by our office

1) Regular Indemnity Insurance Plans

These are traditional insurance plans (includes self-insured plans and union plans) that place no restrictions on your choice of general dentists or specialists. You never have a list of providers from which to select. Indemnity plans are usually the best dental plans available. Our office completes all the required paperwork for you and accepts assignment of benefits from your insurance. We accept all indemnity plans.

2) Preferred Provider Organizations (PPOs, PDPs)

These insurance plans are more restrictive because they provide you with a list of preferred providers, including general dentists and specialists, from which to choose. Depending on the plan and insurance company, you may have a wide or narrow choice of providers. You have the flexibility of selecting another dentist or specialist from the list, at any time, for any reason. Providers on the list agree to a contracted or reduced fee. PPOs also allow you to go 'off' their list (some do not) and select other dentists while maintaining benefits. However, your out of pocket expenses will be slightly higher at an 'off the list' dentist. We handle all necessary paperwork and accept the assignment of benfits from your insurance. We are preferred providers for several PPOs/PDPs. Please contact our office for further information.

3) Our own Plus+ Dental Program

Ideal for those with no dental insurance, the Plus+ Dental Program was created by our office and is open to adults/children, singles/couples, families and all small businesses.

All insurance plan descriptions stated here are generalised and do not represent specific plan types. It is also likely that exceptions to these descriptions or newer classifications exist. Please check your individual plans carefully.

NOTE Dental Health Maintaniance Organizations (DHMOs, DMOs, Capitation) These plans are the most restrictive and inflexible. Dentists receive a very low monthly dollar amount for each patient that selects their office. They also agree to a severely reduced fee for their services and receive no insurance reimbursement for treament procedures. Patients are still responsible for any co-payments on treatment provided. You are required to select one primary care provider, from a list, and can only obtain treatment from that office. You have to obtain a referral from your general dentist to see a specialist. You may change your primary care provider but it involves contacting the HMO administrators who will 'switch' you to the new provider. The constraints and restrictions of these plans do not allow for the quality and excellence of dental care that we routinely provide, therefore we have elected not to participate in dental HMOs, DMOs or capitation plans.