INSURANCE INFORMATION

Did you know that even if we are out-of-network with your insurance, your plan’s benefits may cover you at the same or a similar level as in-network care? We have many patients who use their out-of-network without paying additional fees. We are happy to check your coverage information, so please don’t hesitate to call us at 281-947-6111 with your dental insurance info.

We are in network with most PPO insurance plans. For a complete and up-to-date list of in-network plans, please contact our office directly.

  • 90 Degrees Benefits

  • Aetna Dental PPO

  • American National Insurance PPO

  • Ameritas PPO

  • Blue Cross Blue Shield of Texas Dental PPO (DNOA)

  • Boon Chapman PPO

  • Cigna Dental PPO

  • GEHA PPO

  • Humana PPO

  • Lincoln PPO

  • LineCo PPO

  • Mutual of Omaha PPO

  • Plumbers & Pipe Fitters Local Dental PPO

  • Principal PPO

  • UMR PPO

  • UNUM PPO

  • United Healthcare Dental PPO

We’re happy to help you with your dental insurance!

As a service to our patients, we check with your insurance company to review your coverage before your appointment. Please have your dental insurance information ready when scheduling. We can also submit a pre-treatment estimate on your behalf if needed.

Please note: This is a courtesy service—we provide coverage estimates in good faith, but they are not a guarantee due to the complexities of insurance contracts. Insurance policies vary, so for exact details about your benefits, please contact your insurance provider directly.

 

Out-of-Network

Many plans provide out-of-network benefits, at the same or similar level as in-network coverage. It means, depending on your insurance plan, you may not need to pay an additional fee or co-pay to see us as an out-of-network provider. We are happy to check your out-of-network coverage information if you are interested in becoming our patient. Please contact our office with your dental insurance information.

While we do not accept any HMO plans, TMHP, and Medicaid through United Health Care at this time, we can provide care as a non-participating provider. Please give us a call at 281-947-6111 to inquire.

 

Secondary Insurance

If you have secondary coverage, both insurance plans must know about each other. When making your appointment, please provide both insurance information. Additional forms may need to be signed at check-in.

Please note we do not coordinate benefits with any Medicaid.

 
 

DENTAL INSURANCE FACTS

  1. No insurance covers 100% of all procedures

    Dental insurance works more like a benefit or savings plan—it helps offset the cost of treatment but doesn’t usually cover everything.

    Most plans cover preventive and diagnostic services, like cleanings and exams, at or near 100%. For other types of care—such as fillings, crowns, or more advanced procedures—coverage typically ranges from 50% to 80%, depending on your specific plan and the benefits selected by you or your employer.

  2. Your benefits are determined by your insurance company—not our office

    While we strive to provide the highest quality care, insurance reimbursement rates are set independently by each insurance carrier. Insurance companies use their own “usual, customary, and reasonable” (UCR) fee schedules to determine what they will pay for specific procedures. These schedules vary widely, are often based on outdated data, and may not reflect current costs for materials, technology, or professional expertise.

    Unfortunately, as the costs of providing quality dental care continue to rise, insurance reimbursement rates have remained largely unchanged or have even decreased. A lower payment from your insurance company does not mean your dentist is overcharging; rather, the insurance company is “underpaying.”

  3. Deductibles and co-payments matter

    When reviewing your estimated insurance benefits, keep in mind that deductibles and co-payments will apply. For example, if a procedure costs $100 and your insurance covers 80% after a $50 deductible:

    • Deductible: $50

    • Insurance covers 80% of $100 = $80

    • Your cost: $20 remaining + $50 deductible = $70

    If the plan covers a lower percentage or uses a lower UCR fee, your share may be higher.

We are here to help and answer any questions or concerns you might have. Please don’t hesitate to contact our office.

 
 

Financing Options

The fact of the matter is many dental services are not covered or only partially covered by insurance. When more extensive dental treatment is necessary, financial arrangements may be made with our office.

We accept CareCredit and BHG More Mastercard, which are special financing options for health, dental, and wellness. Please contact us to learn more.