Do you accept my insurance?
We are in-network with Cigna DPPO.
If we are out-of-network for your plan, we will be happy to bill your plan on your behalf. Dental insurance is like a coupon book that you and your employer pay for. Keep in mind that the benefits are decided by your employer and the insurance company, and may not correspond with what is needed to keep your child healthy.
How much will my insurance cover?
Contact SF Pediatric Dentistry ahead of time and provide us with your insurance details to receive a quote for your out of pocket cost.
How does dental insurance work?
Dental insurance is like a coupon book. Your employer and the insurance company decide which benefits they want to provide and place arbitrary limits on the % covered, dollar amount per person and family, and frequency of treatment. There can be waiting periods during which treatment is not a covered benefit despite you paying for and having insurance. Each dental practice sets its own fees which differ from the amount up to which the insurance wants to cover. And, to make it more confusing, what your insurance allows may or may not correspond with what is needed to keep your child healthy. Give us a call before your visit if you need some help decoding your benefits and out of pocket expense.
My benefits said it was 100% covered -- why did I get a bill?
Dental insurance is confusing. This discrepancy happens when the dental insurance puts a cap on what they want to reimburse for a service. As a result, the "100% covered" is only up to this cap. The difference between the cap and the actual fee is the patient's responsibility. We make the process as transparent as possible but it can be tricky as every family's dental plan, % covered, frequency, deductible, waiting period, and usage is different and can even change between the time we verify and your child's appointment time.