Sunshine Smiles of Orange County

Why doesn't my insurance cover everything?

Most people are under the impression that dental insurance is similar to health insurance where once a deductible amount is met under the plan, most procedures are fully covered. Unfortunately, this is not the case.

The best way to look at your dental insurance is not as insurance at all, but rather as a discount plan. Dental insurance companies negotiate a discount with dental offices to provide their services at a discount to their in-network customers. As an added benefit, the insurers reimburse a set percentage of each type of procedure, leaving the remainder as the responsibility of the patient. Every insurance has a different percentage they cover for each procedure, as well as a different maximum that they will pay annually.

We are always happy to check with your insurance company and determine the terms of your specific insurance to better understand how your particular plan can help you. We want to do what we can to ensure you are maximizing your benefits.

Our office accepts the following insurance plans:

PPOs: Aetna, Ameritas, Metlife, Safeguard, United Concordia, Blue Cross Blue Shield, Cigna, Connection Dental, Guardian, Humana, Delta

HMOs: Safeguard, PacificCare, Delta, DHS, United Concordia, Golden West (California), Benefits Dental, Cigna, Aetna, Dental Benefits Pro, Pacific Union, Blue Cross/Blue Shield, CDN, Western Dental, MDG, Ameriplan

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