Dental Insurance

Most Insurances are Accepted

As a service to our patients, our dental practice accepts most dental insurance programs, including non-managed care, indemnity (traditional) and PPO out-of-network. Our PPO dentists are not part of any managed care network, like HMO, DHMO. Regarding PPO dental benefits, our accounting staff will prepare all the necessary forms for those benefits. We remind patients, however, that specific insurance policy is an agreement between the patient and the PPO insurance company. PPO dental insurance helps dental treatments to be more affordable. Some PPO dental insurance benefits include braces. Please keep in mind that you are responsible for your total obligation should your dental PPO insurance benefits result in less coverage than anticipated. Our staff will gladly submit a pre-treatment estimate to your PPO dental insurance company so that you will know what your benefits will be.  

Now with the Affordable HealthCare Act, we can now do more dentistry with your same insurance plan. For children with extensive work in certain circumstances, we can go beyond your allowance and save you money!

Insurance Providers We Accept (In-Network):

  • Aetna PPO
  • Ameritas PPO
  • Anthem PPO
  • Assurant PPO
  • Blue Cross Blue Shield PPO
  • CareCredit
  • Cigna PPO
  • Connection Dental PPO
  • Dearborn PPO
  • Delta PPO
  • DenteMax 
  • Dentaquest PPO
  • Dentaquest
  • Guardian PPO
  • MCNA
  • Healthspring PPO
  • Humana PPO
  • Lincoln PPO
  • Metlife PPO
  • Principal PPO
  • Sun Life PPO
  • Superior PPO
  • TeamCare PPO
  • TMHP
  • Tricare PPO
  • United
  • United Concordia PPO
  • UMR
  • Children's dental Medicaid
  • Children's CHIP
  • many more PPO dental insurances.

Employer Insurances We Accept:

Oil companies, banks, and utilities
  • AIG
  • Amegy
  • AT&T
  • Baker Hughes
  • Bank of America
  • BBVA Compass
  • Capital One
  • Centerpoint
  • Chase
  • Chevron and chevron expatriates
  • Coastal Water Authority
  • Comcast
  • Direct energy
  • Exxon
  • Frost
  • General Electric (GE)
  • Haliburton
  • Insperity
  • JP Morgan
  • National Oilwell varco (NOV)
  • Reliant
  • Schlumberger
  • Shell
  • Sprint
  • T mobile
  • UPS
  • Verizon
  • Wells Fargo
Medical Center and Schools
  • Baylor
  • City of Houston
  • MD Anderson
  • Military Tricare
  • Texas A&M
  • Texas Children's Hospital
  • University of Houston ERS
  • University of Texas
  • All school districts.
Retail
  • Fiesta
  • Grocers Supply
  • HEB
  • Home Depot
  • Kroger
  • Lowe's
  • Safeway and Randall's
  • Target
  • Wal-mart

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. An insurance policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. Patients should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.

Please note: We no longer accept DMO or DHMO dental insurance. We encourage you to switch over to your employer's dental PPO or PDP plan to ensure that we can continue to offer the best dental care for you and your family. Our Houston dentists do, however, accept Medicaid Dental Insurances.  

Office Policy

If we receive all of the necessary dental insurance information on the day of the appointment, we will be happy to file the claim for the patient. Patients must be familiar with their PPO dental insurance benefits, as we will collect from the patient the estimated amount PPO dental insurance is not expected to pay. By law, a PPO dental insurance company is required to pay each claim within 30 days of receipt. We file all insurance electronically so the PPO dental insurance company will receive each claim within days of the treatment. The patient is responsible for any balance on the account after 30 days, whether insurance has paid or not.  

PLEASE UNDERSTAND that we file PPO dental insurance as a courtesy to our patients. We do not have a contract with any PPO insurance company. We are not responsible for how the insurance company handles its claims or for what benefits they pay on a claim. We can only assist the patient in estimating their portion of the cost of treatment. We at no time guarantee what the insurance provider will or will not do with each claim. We also can not be responsible for any errors in filing insurance claims. Once again, we file claims as a courtesy to the patient.

Facts About Insurance Claims

 

Fact 1: NO INSURANCE PAYS 100% OF ALL 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 pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much the patient or the employer has paid for coverage or the type of contract the employer has set up with the insurance company.

FACT 2: BENEFITS ARE NOT DETERMINED BY OUR OFFICE

Patients may have noticed that sometimes their dental insurer reimburses them or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state the reimbursement was reduced because the dentist's fee 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.

PPO 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 for claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently this data can be three to five years old and these "ALLOWABLE" fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, insurance companies imply that the dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low. In general, the less expensive insurance policy will typically use a lower, customary, or reasonable (UCR) figure.

FACT 3: DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED

When estimating dental benefits, deductibles and percentages must be considered. MOST IMPORTANTLY, please keep the dental office informed of any insurance changes such as policy name, insurance company address, or change of employment.

FINANCIAL AGREEMENT

Payment for dental services is to be paid in full at the time of service. Signature Smiles accepts cash, check, Master Card, Visa, American Express, Discover and Care Credit. Returned checks are subject to a processing fee as determined by the Bank and the office. PLEASE BE AWARE THAT THE PERSON OR PARENT BRINGING THE PATIENT TO OUR OFFICE AT THE TIME OF SERVICE IS RESPONSIBLE FOR PAYMENT OF ALL CHARGES. If someone other than the parent accompanies the patient, arrangements for payment should be planned in advance.

Medicaid Dentist

Our Houston dental office accepts dental Medicaid for kids only. Medicaid kids can be no older than 20 years old. In some cases, Medicaid covers 100% of the cost for certain treatments. Please understand that there may be exceptions and changes to Medicaid dental insurance coverage.  

PLEASE NOTE: Our Medicaid dentists and staff will check the details of your coverage one day prior to your appointment date. In your Medicaid dental insurance registration/policy, your child must also be assigned to our office before your appointment.