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Dental

CareFirst BlueCross BlueShield Dental Insurance Coverage

Insurance coverage forms At La Plata Dental, we’re dedicated to helping our patients receive the dentistry services they need without breaking their budgets. One way that we make dental care more affordable for our patients is by processing and filing dental insurance claims for most major PPO plans. We are also happy to offer in-network coverage for many insurers, including CareFirst BlueCross BlueShield. If you would like to learn more about our dental insurance policies, call our team any time. We’ll be happy to answer your questions or schedule an appointment for you in our state-of-the-art La Plata dentistry practice.

Your Trusted CareFirst In-Network Dentist

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There are two main types of dental insurance plans health maintenance organizations (HMO) and preferred provider organizations (PPO). Unfortunately, HMOs have very strict regulations that limit the dentists you can visit and treatments you can receive, so we’re unable to process and file claims for these plans. However, we are happy to handle claims for most PPO plans, which offer patients the flexibility to choose their dentist. We are also in-network with several PPO plans, including CareFirst BlueCross BlueShield. While PPO plans allow you to choose your dental office, in-network providers have existing agreements with the insurer, so patients will only ever need to worry about paying for their out of pocket percentage of treatment costs. Out of network providers may charge slightly higher prices, but you’ll need to pay the difference in price as well as your out of pocket percentage of treatment costs. Here’s how it works:

  • The insurer sets a price for a specific treatment like $100 for dental checkups
  • The insurer agrees to pay a percentage of this prices say 80% for preventive checkups
  • In-network dentists agree to charge this price for treatment
  • That means you only need to pay $20, which is your out of pocket percentage of the insurer’s $100 treatment cost
  • Out of network dentists may charge higher or lower fees for service
  • You will need to pay the difference in cost for any fees higher than those outlined by your insurer in addition to your out of pocket percentage of the treatment cost

Maximizing CareFirst Benefits

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By visiting our in-network dentistry team, you’re already on your way to receiving the maximum dental insurance coverage. It may seem counterintuitive, but the easiest way to maximize your benefits is visiting us more often. Regular dental checkups twice a year receive the highest coverage by your insurer and visiting us twice a year means your smile will remain whole and healthy. That means your risk for oral health concerns that require costlier treatment that receive lower coverage is significantly reduced.

Demystify Your Dental Benefit Plan

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Every dental insurance plan is a unique agreement between you, your employer, and the insurer, so during your dental appointment, our team will take the time to carefully review the prices of your treatment, insurance coverage, and out of pocket costs. Our goal is to ensure you are prepared to budget for any out of pocket costs of treatments and there are no unexpected fees. We know that dental insurance claims can be baffling for those patients who don’t work with benefit plans on a daily basis like we do, so we take the time to explain your coverage. For more advanced treatment plans, we can also submit preauthorization forms to ensure coverage before we begin your treatment plan. Since we’re in-network with CareFirst, you should only ever need to worry about your out of pocket percentage of the cost of treatment.

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