We accept dental insurance plans
in Ripley

Are you like the millions of other Americans who use dental insurance to help reduce your out-of-pocket costs for dental care? If so, you may be wondering, "How can I find a dentist near me who accepts my insurance?" Locating a dentist near you who takes your insurance is vital to ensuring that you can afford to get the care you need to maintain a healthy and beautiful smile your whole life long. To find out"which dentist takes my insurance," the first step is to find dentists in Ripley who accept dental insurance.

Once you find a dentist that accepts HMO insurance, you can contact that dentist or check with your dental insurance provider to find out if that dentist is an approved provider under your dental insurance plan. You can also check with your provider to find a dentist in GEOID by insurance.

If a dentist you wish to see is not in your dental plan network, you may still get part of your visit covered if you have a PPO dental insurance policy. Any dentist that takes insurance no matter in which HMO networks they participate is a dentist that accepts PPO insurance. That’s because PPO plans simply allow you to see whatever dentist you want for a copay.

At Valley Smiles Orthodontics Ripley, our dentists accept HMO and PPO insurance. Contact our office to find out if we’re in your dental plan's network. To find out how much coverage your plan provides and how much you’ll have to pay out of pocket for specific visits or treatments, check the details of your policy or call your dental insurance provider.

Understanding Dental Insurance Benefits

It’s not just whether a dentist near you accepts your insurance that’s important for getting the care you need at a price you can afford; it’s also important to understand which benefits your dental plan offers. This includes understanding how much your dental insurance carrier will pay for various services.

In most cases, our friendly and knowledgeable staff can answer your questions regarding how and where to find a dentist in Ripley by insurance. However, your dental insurance provider is best equipped to answer any specific questions about the types and costs of coverage your plan provides.

The following are some of the key questions to consider asking your dental insurance carrier about your dental benefits.

• What are my visit fees, copays, deductible limits, and maximum annual benefits?
• How often can I visit the dentist?
• Is there a required waiting period before I can start receiving particular treatments?
• Am I covered for missing teeth?
• What coverage do I get for higher-quality materials?
• Does my plan cover dental implants, orthodontics or cosmetic dental treatments?
• Does my plan cover Invisalign®?
• What is my provider’s policy regarding pre-authorizations?

Understanding the Costs of Dental Care With Insurance

If you carry dental insurance through your employer, that employer has agreed to pay a portion of your cost of care. Since each employer negotiates benefits with the dental insurance provider on their employees’ behalf, different people with different employers yet the same dental insurance provider may have different out-of-pocket costs for the same services. Remember, however, the total cost of care is always your responsibility.

Whether you get your insurance through your employer or not, you may still be wondering, “How to use my dental insurance with a dentist in Ripley?” The key to this question is understanding whether you have an HMO or PPO dental plan. If you have an HMO dental plan, then you must select your dentist from a pre-approved list of in-network providers.

When seeing an in-network provider under an HMO plan, you may not have to pay any copays for your visits. You may still see dentists out of network at your discretion, but you would be responsible for paying the full cost of care. If, however, you have a PPO plan, then you can typically see any dentist you want and simply pay a copay for every visit. This largely explains why you’ll usually pay lower premiums for an HMO plan than for a PPO plan.

So, if you're looking for a dentist near me who accepts my insurance, we may be able to help. At Valley Smiles Orthodontics Ripley, our staff understands how tricky it can sometimes be to navigate dental insurance. That’s why we work closely with our patients to answer any questions about dental insurance that we can and ensure you get maximum coverage for whatever services you receive at our office. Call us today to set up your first appointment with a top Ripley dentist who accepts your insurance.

Insurances We Accept

• Delta Dental
• MetLife
• United Concordia