Insurance and Benefits Information

Maximizing Your Coverage While Providing Premium Holistic Care
No Insurance? No Problem

Our membership plans make it easy to prioritize your child’s oral health and overall wellness without the stress of insurance limitations or unexpected costs.

Take Advantage of Our Financing

We’ll always provide detailed treatment estimates and work with you to find payment solutions that fit your family’s budget and healthcare goals.

Litle female patient showing tooth to dentist

At Wellness Pediatric Dentistry, we operate as an out-of-network practice by choice, not limitation. This decision allows us to provide the highest quality holistic care using premium biocompatible materials, extended appointment times, and comprehensive evaluations that insurance contracts often restrict. While this means we don’t have direct contracts with insurance companies, we work diligently to maximize your benefits and make quality care accessible.

We accept assignment of benefits, which means we file claims directly with your insurance company and receive payment on your behalf. This streamlines the process while allowing you to benefit from any out-of-network coverage your plan provides. Our experienced team will verify your benefits before treatment and provide detailed estimates so there are never surprises.

Quality Care Without Compromise

Our out-of-network model reflects our commitment to providing uncompromising, holistic pediatric care. Insurance-driven practices often face restrictions on appointment length, materials used, and treatment approaches. By maintaining independence from these constraints, we can focus entirely on what’s best for your child’s health and development.

This approach allows us to spend quality time with each patient, use the finest biocompatible materials available, provide comprehensive sleep and airway evaluations, and offer nutritional counseling that many insurance plans consider “outside the scope” of dental treatment. We believe your child deserves this level of comprehensive care.

Close up portrait of a lovely little girl looking in the mirror at the dentist after examination. Smiling little kid smiling at stomatology examination.

Premium Materials

Freedom to use the highest grade biocompatible materials, fluoride-free alternatives, and BPA-free composites without insurance restrictions on material choices or quality levels.

Extended Time

Comprehensive appointments that allow for thorough evaluations, detailed education, and gentle care without the time constraints imposed by insurance reimbursement schedules.

Holistic Approach

Complete freedom to provide airway evaluations, sleep assessments, nutritional counseling, and other comprehensive services that support your child's overall wellness and development.

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Working with Your Insurance Plan

Even though we’re out-of-network, most dental insurance plans provide some level of coverage for out-of-network providers. Here’s how we help maximize your benefits:

Pre-Treatment Verification: We contact your insurance company before treatment to verify your out-of-network benefits and provide accurate estimates of your expected coverage.

Claim Filing: We file all claims electronically on your behalf using proper coding to ensure maximum reimbursement from your insurance company.

Documentation: We provide detailed treatment notes and documentation to support claims and help ensure appropriate reimbursement for the comprehensive care provided.

Flexible Payment: We offer various payment options and timing to work with your insurance reimbursement schedule and family budget.

Understanding Your Out-of-Network Benefits

Most dental insurance plans include out-of-network benefits, though they typically reimburse at a lower percentage than in-network providers. Common out-of-network benefit structures include:

  • Preventive Care: Often covered at 50-80% of usual and customary fees
  • Basic Restorative: Typically covered at 50-70% after deductible
  • Major Services: Usually covered at 40-50% after deductible

Annual Maximums and Deductibles

Out-of-network services may have separate deductibles and annual maximums from in-network care. Our team will help you understand your specific plan structure and how to maximize your available benefits throughout the year.

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)

All dental services at our practice qualify for FSA and HSA reimbursement, providing additional tax advantages for your healthcare expenses. We provide the detailed receipts needed for these programs.

Happy parent and child listening to pediatric dentist at dental office. Oral hygienist showing patients jaw model and teaching them to brush teeth properly to prevent caries and keep teeth healthy
Girl looking in the mirror and brush her teeth after dental procedure while mother sitting near her for support.

Making Quality Care Accessible

Membership Plans

Our in-house membership plans provide predictable costs for preventive care and significant savings on treatment services. These plans are particularly beneficial for families without dental insurance or those with limited out-of-network benefits.

Financing Options

  • CareCredit: Healthcare-specific financing with promotional interest-free periods
  • Cherry: Flexible payment plans with quick approval processes
  • Custom Payment Plans: In-house arrangements tailored to your family’s budget and treatment timeline

Family Discounts

We offer reduced fees for families with multiple children and provide flexible payment arrangements that work with your insurance reimbursement schedule.

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Ready To Transform Your Child's Dental Health?

Experience the difference that holistic pediatric care can make for your child. Our comprehensive approach combines gentle techniques with transparent communication to create positive dental experiences that last a lifetime. We’re here to partner with you in supporting your child’s overall health and development through expert oral care.

From fluoride-free alternatives to airway-focused orthodontics, we offer the choices and expertise your family deserves. Schedule your consultation today and discover how our unique approach can benefit your child’s health and wellness journey.

FAQ

Will my insurance cover any of the cost for out-of-network care?

Most dental insurance plans provide some level of out-of-network coverage, typically reimbursing 40-80% of services depending on the type of treatment and your specific plan. We verify your benefits before treatment and provide detailed estimates so you know exactly what to expect.

How does assignment of benefits work with out-of-network providers?

When we accept assignment of benefits, we file claims directly with your insurance company and receive payment from them on your behalf. You’re responsible for any remaining balance after insurance processing. This service helps streamline the payment process while maximizing your benefits.

Do you offer payment plans for families?

Yes, we offer multiple payment options, including in-house membership plans, CareCredit financing, Cherry payment plans, and custom arrangements. We work with families to create payment solutions that fit their budget while ensuring children receive necessary care without delay.

Can I use my FSA or HSA for services at your practice?

Absolutely! All dental services qualify for FSA and HSA reimbursement. We provide detailed receipts with the proper coding needed for these tax-advantaged healthcare accounts, helping you maximize your healthcare dollars.

What if my insurance denies coverage for certain treatments?

Our team works closely with insurance companies to ensure proper coding and documentation for all services. If coverage is denied, we help families understand their options, including appeals processes and alternative payment arrangements to ensure your child receives necessary care.

Are holistic treatments covered the same as traditional dental procedures?

Insurance companies typically reimburse based on procedure codes rather than specific materials used. For example, a filling is covered, whether we use traditional amalgam or biocompatible composite materials. This allows you to choose holistic options while still receiving insurance benefits.