Dental Insurance


As a service to you, we file dental insurance for most dental plans*. We are in-network providers for Aetna, Ameritas, Blue Cross Blue Shield, Cigna, Delta Dental, Guardian, Metlife, Principal, Sun Life/DHA/Assurant, Unicare (Anthem), United Concordia Select, and United Healthcare. Your payment or co-pay is required at the time of service. We are excited to maximize your benefits and make your overall dental experience even better.

If you do not have dental insurance, we offer a 5% discount if payment is made with cash or check at the time of service. Unfortunately, we do NOT accept Medicaid or Medicare.

* We do NOT accept Medicaid or Medicare

Commonly Asked Insurance Questions

What should I bring to my first visit?
For your first appointment, we request that you arrive fifteen minutes early to complete necessary paperwork. If you’ve already filled out the New Patient Form, which can be found here, we recommend arriving just five minutes prior to your appointment. Please bring up-to-date dental and medical insurance cards, as we will make copies of both to have on file for future reference. Although we try our best to provide accurate out-of-pocket cost estimations, we advise you read through your insurance policy on your own so that you understand what services will and will not be covered. If you have any questions, we recommend you call your insurance company prior to the appointment, or arrive twenty minutes early to review your insurance policy with us. Your first appointment is scheduled with a hygienist, but includes a comprehensive examination by a dentist. The appointment will take roughly seventy minutes.
What should I do if my dental insurance changes?
Even a minor change can interfere with insurance claim processing. If there is an update to your dental insurance, we ask that you notify us immediately, as even small changes can impact your out-of-pocket expenses. Even changes to the plan’s group number or your subscriber ID number can cause issues – in this case, your claim could be denied for incorrect information. In the event of a denied claim, we will attempt to contact you for updated information; however, relying on us in this manner is risky, as some plans won’t accept claims after a certain time period, whether there’s coverage or not. To prevent any of these situations, please be prepared to verify your insurance at every visit.
Why was my dental insurance claim denied?
Your dental insurance carrier can deny a claim for the following reasons: Your name or the patient’s name is misspelled The patient’s birth date is incorrect Your subscriber number or group number is incorrect The “student status” has not been updated with your insurance company You did not see a provider within your network Insurance has terminated You have reached your benefit maximum for the year Your insurance company only allows cleanings every six months or two times per year Not a covered benefit You have a waiting period for major restoration procedures There is a missing tooth clause
How does Reflections Dental file claims?
On the same day that you receive service, we file our claims using a secure website, unless an insurance carrier cannot receive electronic claims. The next day, a claim is generated. If you require major restorative procedures, your insurance company may require an x-ray, detailed information on why the procedure was completed, or periodontal charting. We may also need additional information from you regarding previous dental services or, in the event of a missing tooth, how long the tooth has been missing.
Can dental insurance companies limit coverage?
Yes they can. Sometimes, even if your policy appears to cover a procedure, fine print can limit or even eliminate coverage under certain circumstances. For example, your plan may cover a crown at 50%, yet stipulate a one year waiting period for all major services, including crowns. In this case, your insurance will most likely deny payment, and you could end up paying out of pocket for the entire crown. There are many other types of restrictions that can change your coverage or surprise you with unexpected costs, which is why we recommend carefully reading your insurance policy and contacting your insurance company with questions. If you have any doubt as to out-of-pocket cost, please contact us to send a pre-treatment estimate, which will give you a better idea as to what portion of the treatment cost will be covered.
I'm on Medicaid. What are my options?
Since we are not a Medicaid provider, our Medicaid patients choose to pay cash for their services. If you do pay with cash or check (debit cards excluded), a discount of 5% will be applied. We also take debit and credit cards. We request payment on the day of service. To find a provider that does accept Medicaid, the best option is to call the customer service number on your card to ask for a list of in-network providers.