Dental Insurance

dental insurance networks

YOUR LOCAL UNITED HEALTHCARE AND DELTA DENTAL NETWORK DENTISTS

Dental insurance can be a great benefit for those receiving it through their employer. While we don’t feel one dental insurance is better than another, we have found that Delta Dental and United Healthcare to be very patient and provider friendly. Hence, Dr Binkowski and Dr Chen are both network providers for these networks. However, one thing we’d like our patients to understand is that dental insurance is inherently designed to cover minimal necessary care, not the standard of care. The treatment we recommend to our patients is based on our years of clinical experience and training and is customized to each individual — we want your dental work to last and will not compromise our high quality of work standards due to arbitrary insurance limitations.

We are In-network providers for:

We welcome patients who have out of network insurances. While we are out of network with most insurance plans, we will still file your insurance as a courtesy. Please call our office and our patient care coordinator can explain what the out of network process will look like for you and your family.

We are Out-of-Network Providers for the following insurances:

However, some of these companies do lease the United Healthcare Network which may put us in-network with your insurance. If you are unsure, always call your insurance company to verify.

We do not currently accept state-sponsored insurances (Medicaid), such as Delta Wellness Program or MCNA.

No insurance?

Out-of-network does not mean out-of-luck

If you, like a quarter of the patients we see at Story City Dental, do not have Delta Dental or United Healthcare insurance, you can still use your dental insurance benefits at our office. We have found the benefit levels for you seeing us as an out-of-network vs an in-network provider are nearly identical. The only difference is that the cost of treatment is paid for up front by you and your dental insurance company reimburses you directly with a check in 15-30 days. We will still file your insurance claim for you as a courtesy and your insurance company reimburses you for the portion of treatment your benefits cover. We have found that by assigning benefits to our patients for reimbursement of care on out-of-network plans, the claims are processed and paid to them substantially faster. This is because the dental insurance company has to answer directly to you, their customer, so they are much less likely to slow walk claims or dispute completed treatment.

Dental Insurance