Understanding Your Dental Insurance
Insurance Plans We Accept
We work with most major dental insurance providers, including:
Blue Cross Blue Shield (BCBS)
Delta Dental
Guardian
HealthPartners
United Concordia / Military Plans
We also accept many other plans as an out-of-network provider.
If you’re unsure whether we’re in-network for your plan, our team is happy to check for you.
How Dental Insurance Works
Dental insurance works differently than medical insurance. It is designed to help with basic and preventive care, not to cover all dental costs.
Here’s what that usually means:
Most plans cover preventive care at a higher percentage
Basic services may be partially covered
Major services are often covered at a lower percentage
Most plans have a yearly maximum
Very few plans cover 100% of treatment
Your insurance plan is a contract between you or your employer and your insurance company. Coverage decisions are made by your insurer, not by our office.
Our role is to recommend what’s best for your health, regardless of what your plan chooses to cover.
What You’re Responsible For
At the time of your visit, you are responsible for:
Your co-pay
Any deductible
Any portion not covered by insurance
We’ll review estimated costs with you in advance whenever possible, so you know what to expect.
Services That May Not Be Covered
Some treatments are considered elective or cosmetic and are often not covered by insurance, including:
Teeth whitening
Veneers
Cosmetic bonding
Certain specialty treatments
Even when a service is important for your comfort or confidence, your insurance company may choose not to pay for it.
We’ll help you understand your options before moving forward.
Understanding Covered vs. Non-Covered Services
Insurance companies decide coverage based on preset formulas, not on your personal dental needs.
This means:
Fees are often based on “usual and customary” rates set by the insurer
These rates may be lower than the actual cost of providing high-quality care
Some necessary treatments may not be covered
At Lakeville Family Dental Center, we never compromise your care to meet insurance limitations. We invest in advanced technology, skilled staff, and quality materials because your health comes first.
Our recommendations are based on what’s best for you, not what’s easiest for insurance to approve.
How Our Office Helps You
We do everything we can to support you with your insurance benefits.
Our team will:
Verify your coverage
Submit and track claims
Provide required documentation
Help with prior authorizations
Communicate with your insurance company
While we advocate for you, the final payment decision is always made by your insurance provider.
If additional information is needed, we may ask for your help to keep your claim moving.
Dental Insurance vs. Medical Insurance
| Medical Insurance | Dental Insurance |
|---|---|
| High premiums | Low premiums |
| High annual limits | Low annual limits |
| Covers major procedures | Covers basic care |
| Catastrophic coverage | Preventive-focused |
Dental insurance is very different from medical insurance.
Dental insurance is helpful, but it’s not designed to fully fund long-term or complex dental care.
Our Commitment to Transparency
We believe you deserve clear, honest information.
We promise to:
Review treatment recommendations in advance
Answer your questions openly
Help you maximize your benefits
Respect your budget and priorities
Ultimately, you decide how to invest in your dental health and we’ll support you every step of the way.
Have Questions About Your Insurance?
If you’re unsure about coverage, estimates, or next steps, please contact our front desk team. We’ll walk you through your options and help you feel confident in your care.