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Financing/Insurance

Insurance

At Northwest Endodontics we make it our top priority to provide you with the finest care and the most convenient financial options. To accomplish this we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures. If you have any problems or questions, please ask our staff. They are well informed and up-to-date.  

As dental treatment providers, we will gladly accept your estimated portion of the treatment fee and bill your dental insurance. There are many factors involved in estimating your insurance reimbursement accurately (see below). Please keep in mind, however, insurance companies routinely indicate that coverage verification does not guarantee payment. In the unlikely event your insurance does not pay the estimated amount, you will be responsible for the remaining balance.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

INSURANCES WE ARE IN NETWORK WITH:

***Our office verifies we are in network with your specific insurance contract

 

Aegis

Aetna

Aetna Dental Medicare Advantage

Aetna Life Insurance Company

Aetna Maximum care (senior Supplemental)

Aetna Medicare Advange Plan

Aflac PPO Dental

All Savers Insurance Company

Alternative Ins Resources

Altus Dental, Inc

AlwaysCare

AmeriBen Solutions

Amerihealth Medicare Advantage

AmeriHealth New Jersey

Ameritas Life Insurance Corp

Anthem Blue Cross Blue Shield

Arm LTD

Beam Dental

Bento Cambalt Solutions, Inc

Best Health Plans

Best Life and Health Insurance Co

Beta Health Association

Black Hawk (Precise)(Virtue)(Luminous)

Blue Cross Blue Shield MN, AL, IL, MO, NM, OK, TX

Blue Cross Blue Shield Medicare Advantage MN, NM, TX,

                 IL, MI, IL, MT, OK

Blue Cross Blue Shield of Michigan (Care PPO only)

Blue KC Medicare Advantage

Blue Shield of CA

Boulder Admin Svcs

Bricklayers Local Union 15 Welfare Fund

Bricklayers SW Missouri

Bright Benefits

Capital BlueCross

CareFirst Blue Cross Blue Shield

Carington

Cement Masons & Plsters Local 518 Welfare Fund

Century Healthcare

Chesterfield Resources

Cigna DPPO, DVH

City of Pasco

Colonial Life

Commonwealth Care Alliance Medicare Advantage

Commonwealth Care Alliance Medicare Maximum (HMO D-SNP)

Commonwealth Care Alliance Medicare Preferred (PPO)

Commonwealth Care Alliance Medicare Value (PPO)

Community Care of Oklahoma Medicare Advantage

CompBenefits Insurance Company

Construction Industry Laborers

Coordinated Benefits

CoreSource

Covenant Administrators, LLC

Cypress Benefit Admin

Cypress Dental Administrators

Cypress Dental Insurance Company of California

DD Services, Inc

Delta Dental– ALL STATES

Delta Health Systems

Dental Health Options

Dental Select (Care PPO only)

Dental Works (workers comp)

DentaQuest-DenteMax Plus

DenteMax

Direct Care Admin

Direct Dental Administrators LLC

District Council #3 Painters & Allied Trades Welfare Fund

DNOA-Dearborn National, LineCo, BCBS TX, IL, NM, OK, MT, KS City

Dominion Medicare Advantage

EBSO, Inc

Emblem Health/GHI

EMI Health (Care PPO only)

Empire

Employee Painters Trust Health and Welfare

Encore Dental/Stonebridge Life

Equian LLC

Equitable Financial Life Insurance Company

Equitatable

Fallon Health

FCE Benefit Administrators, Inc

FEDVIP

Fidelio

First Dental Health, Inc

First Priority Health

First Priority Life Insurance Company (United Concordia)

First Reliance Standard Life Insurance of NY

Formula Corporation

Foundation for Medical Care (Health Edge)

Free Market Administrators

Freedom Life

GEHA

Global Health

Global Management

Group Administrators

Group Benefit Services

Group Resources

Guardian

Harrington/Colonial Life

Health Markets

Health Resources/Dental Health Options (care PPO only)

Healthcare Admin

HealthComp, inc

Healthgram

HealthNet Associates-HealthNet of AZ, CA, OR

Healthplex

Highmark BCBSD Inc. (United Concordia)

Highmark Benefits Group Inc (United Concordia)

Highmark Choice Company (United Concordia)

Highmark Coverage Advantage Inc. (United Concordia)

Highmark Delaware

Highmark Inc (United Concordia)

Highmark Select Resources Inc. (United Concordia)

Highmark West Virginia

HM Health Insurance Company (United Concordia)

HMO of Northeastern Pennsylvania (United Concordia)

HMO of Northestern Pennsylvania, inc

Humana (Zelis)

Humana Dental Access Discount Card

Humana Dental Central States Funds

Humana Dental PPO

Humana Dental Traditional Preferred

Humana Fed Advantage EPO FEDVIP AL, AZ, CA,CO, UT

Humana Federal Advantage PPO FEDVIP  OH, AL, AZ, AR, CA, CO, FL, GA, IL, IN, KS, KY, LA, MD,MS, MO, NC,OK, SC, TN, TX, UT, VA, WV

Humana FEDVIP

Humana Health Benefit Plan of Louisiana, Inc

Humana Insurance Company

Humana Insurance Company of New York

Humana Nationwide

Humana One

Humana Dental Insurance Company

Imperial

Independence Blue Cross

Independence Blue Cross Medicare Advantage

Intergrity Administrators

Kaiser

Kansas City Life Insurance Company

Key Benefit Admistrators

Kuwait Cultural Office (KCO)

Level Inc. (Level Benefits Inc dba Level)

Lifemap

Lincoln Financial (DBP)

Lincoln Financial Insurance Company

Local 786 Building Material Welfare Fund

MAMSI Life and Health Insurance Company

Management Benefit Fund (ASO)

Manhattan Life

Merchants Benefit Administrators

Meritain Health, Inc.

Metlife FED VIP, PDP Plus

Mid-American Benefits, Inc.

Momentum Insurance Plans, Inc

Morgan White- Standard Life/Am First

Mutual of Omaha Life Insurance

National Care Dental-MBA

National Foundation Life (Care PPO only)

National General Accident and Health

National Rural Electric Cooperation Association Group Benefits

Nationwide Insurance

Neighborhood Health Partnership, Inc

New Era Life (NEL)- Philadephia American

Optimum Choice, Inc

Oxford Health Insurance, Inc.

Paramount Dental

Paramount Dental Medicare Advantage Plans

Paramount Promedics Medicare Advantage Plan

Passive- PPO

Peoples Benefit Life Insurance Company

Pequot Plus Health Benefit Services

Physiscians Mutual (under Ameritas)

Planstin Administrative Solutions

PrefererredOne  Administrative Services, Inc.

Preferred Benefit Admin

Preferred Health Professionals

Preferred Insurance Specialist

Printing Specialties/ Northwest

Pro Benefits Admin/Dental Pay

Reliance Standard Life

Renaissance

Rocky Mountain Health Maintenance Organization Inc.

Roofers Union Welfare Trust Fund

Select Resources Inc.

Self Insured Services Co

Shelterpoint Pro Benefits Admin

SISCO

SkyGen

Solstice Benefits, Inc.

Staff Benefits Management & Administrators

Standard Ins Co

Standard Ins Co of NY

Starmount

Suffolk County Employee Benefit Plan

Sun Life Assurance Company of Canada

Sunlife Financial

Superior Dental Care

The Benefit Group Inc

The Dental Concern, Inc

Trans America

TransWestern Insurance Administrators

TRICARE (Retirees)

TriStar Benefit Administrators

TruAssure

Tuckpointers Local 52

Tufts Health Plan

UHC Optum Dental

UMR, Inc (a subsidiary of UnitedHealthCare

Union Security Insurance Company

Union Security Life Insurance Company of New York

United Claims Solutions

United Concordia (Care PPO only)

United Concordia Companies, Inc

United Concordia Dental Corporation of Alabama

United Concordia Inc

United Concordia Insurance Company

United Concordia Insurance Company of New York

United Concordia Insurance Company of the River Valley

United Concordia Life and Health Insurance Company

United Furniture Workers Insurance Fund (Variopro)

United Medical Resources

United of Omaha Life Insurance Company

UnitedHealthCare of  WA, AL, AZ, AR, CA, CO, FL, GA, IL, KT, MS,

NY,NC,OK, OH, PA, SC, TX, UT, WI,

Unum

Vault Health Captive LLC

WellCare

WellCare by Allwell

Zelis Cigna

United Healthcare Medicare Advantage

UnitedHealthcare GEHA Group Medicare (PPO)

UnitedHealthcare Medicare Complete Assure (PPO)

UnitedHealthcare Dual Complete

UnitedHealthcare Medicare Silver (Regional PPO SNP)

Understanding Your Insurance

A dental insurance plan is a contract between you and an insurance company to pay a portion of your endodontic treatment. These contracts vary widely between different insurance companies. A typical percentage of the amount covered runs somewhere between 20% to 80% of the price charged by your endodontist. If your dental insurance is provided by your employer, then your employer has negotiated your benefits with your insurance carrier.

UCR (Usual, Customary and Reasonable)

Insurance companies use the term "UCR" to describe what they will pay for a particular endodontic treatment. These fees are generally 20%-80% less than what the endodontist charges for a particular treatment. Therefore; on your bill you will see a note that the fee charged by the endodontist is higher than the reimbursement from your insurance company. There is no regulation on how your insurance company determines these reimbursement levels. Some factors that influence the UCR fee are such things as number of endodontist in the region and cost of living.

Annual Maximums

Your plan purchaser makes the final decision on "maximum levels" of reimbursement through the contract with the insurance company. Your annual maximum may be unknowingly exceeded or nearly exceeded when we provide an estimate of your endodontic treatment.

Our Bottom Line on Insurance

We will assist you to the best of our ability in obtaining the maximum benefits from your insurance. We will only recommend treatment according to what is best for you, not according to your insurance benefits.

If you have any problems or questions, please ask our staff. They are well informed and up-to-date.

Other Payment Options

We assist in financing through CareCredit. Apply online by clicking image below or call the toll free number to apply over the phone.

CareCredit: 1-866-843-2330

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Northwest Endodontics 7972 W. Thunderbird Road Suite #103 Peoria, AZ 85381 Phone: (623) 979-1313

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