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Dental Insurance

Dental Insurance Questions

At Jefferson Dental Center, we pride ourselves on how well we help our patients verify, understand, and utilize their dental health insurance. We can explain employer sponsored plans as well as individual plans for dental services.

We are contracted with Anthem, Aetna, Delta Dental Premier, Dental Health Options(HRI), Cigna, Guardian and Humana. We also can verify and submit dental health claims to most traditional insurance companies including:

  • Aetna
  • Aflac
  • Ameritus
  • Anthem
  • Blue Cross Blue Shield
  • Cigna
  • Dental Dental
  • Humana
  • Lincoln Financial
  • MetLife
  • Meritain
  • United Healthcare
  • United Concordia (military)

If you have an insurance company that is not on this list, feel free to call us at (574) 233-7266 to have us verify your eligibility.

Usual and Customary

UCR is a widely used method, which varies from one insurance company to another, for determining benefit reimbursement levels. The initials simply mean:

Usual: The fee that an individual dentist most frequently charges for a given dental service.

Customary: A fee determined by the insurance company based on the range of usual fees charged by dentists in the same geographical area.

Reasonable: A fee which is justifiable considering special circumstances of the particular care rendered.


Other terms used by insurance carriers include:


Pre-determination: After the treatment plan is decided upon by the patient and the dentist, the insurance company reports back on what portion of the treatment plan will be covered by your insurance policy.

Table of Allowances: Assigns a specific dollar to each dental procedure.

Freedom of Choice: Allows the patient to choose any dentist. Coverage with this feature allows you to receive full benefits for treatment provided by any dentist of your choice.

Limitations: Limits the benefits for procedures or the number of times a procedure will be covered.

Exclusions: Denies benefit coverage for certain procedures.

Least Expensive Alternative Treatment: The insurance company's contractual arrangement with the policyholder allows the insurance company to substitute a less expensive, but in the insurance company's opinion, professionally adequate service.

We are contracted and in network with a number of dental insurances as well being able to submit electronically to hundreds of dental insurance companies offered through employers and single plans.

We are in-network with:

Traditional Insurances we submit electronically to:

  • Aflac
  • Ameritus
  • Blue Cross Blue Shield
  • Lincoln Financial
  • MetLife
  • Meritain
  • United Healthcare
  • United Concordia (military)

Have a different insurance? Call us at (574) 233-7266 of contact us electronically here.

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