Insurance Options

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We are currently In-Network providers for the following dental insurance plans:

PPO PLANS

R

Aetna

R

Ameritas

R

Assurant

R

Cigna

R

Guardian

R

Humana

R

MetLife

R

Sun Life Financial

R

United Health Care

OTHER PLANS OR NETWORKS

R

Cigna Dental Care DHMO (limitation, under 13 years old)

R

DHA network participating plans

R

Dental Benefit Providers Network

R

Delta Dental Premier

You can always search for Dr. Febres on your insurance provider website. You may have to search for Maria Febres or Carolina Febres, depending on how she is registered in the plan.

ADDITIONAL INSURANCE COMPANIES THROUGH NETWORKS¹

R

Ameritas

Principal Life, The Standard, Reliance Standard

R

Cigna

Geha Dental

R

Dental Benefit Providers

Lincoln National Life

R

DHA

Mutual of Omaha, United Concordia

R

Guardian

Group Administrators

R

Humana

TeamCare

¹Call our insurance coordinator or email insurance@febresdds.com to verify that your particular dental plan participates with the given fee schedule.

Insurance Filing Policy

Our office will file with In-Network insurance plans only. We do not file secondary insurance.

Our Insurance Coordinator will do her best to obtain a detailed breakdown of your dental insurance benefits. Patient financial responsibility will be determined from this information. However, final determination of coverage and patient portion is determined once the claim is processed by the insurance company. It is the policy holder’s responsibility to become familiar with their policy details concerning coverage, fees and frequency limitations.

Payment is due at the time services are provided. Our office accepts cash, major credit cards and Care Credit. If using the Care Credit option, please inform the staff at your check-in so that available credit can be verified.

Our office files with In-Network primary insurance companies as a courtesy to our patients. If insurance has not paid within 90 days of services, it will be the policy holder’s responsibility to pay the balance on the account and follow up with their insurance company.

Payment for services received is ultimately the responsibility of the parent or legal guardian, regardless of insurance coverage. Keep in mind our relationship is with you, our patient, and not with your insurance company. Your insurance plan is a contract between you, your employer and the insurance company. Our office is not a party to that contract or any possible restrictions.

Whenever there is treatment proposed, we will use the breakdown of benefits from the insurance to determine the estimated cost and coverage of the procedure. We file a pre-estimate to your insurance for some procedures such as orthodontic appliances, crowns, surgical procedures and large cases. We do not submit pre-estimates for every procedure, but at your request, we will gladly do so. It normally takes 3 to 4 weeks to receive an estimate back from an insurance company

Febres Dentistry employee wearing pink scrubs and holding clipboard while in front of wall with grassy artwork.

No insurance or
Out of Network Plans

Our office will collect payment on the date services are received. We will offer a 10% discount to our patients.

If you are submitting your claim to an insurance company Out-of-Network, we recommend requesting a detailed statement of services received.

It is strongly suggested you become familiar with your dental plan and coverage details.

Common Questions to ask your Insurance Company:

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What is the frequency of exams, cleanings and fluoride?

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Is there an age limit for fluoride treatments?

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Are sealants a covered benefit? If so, what teeth are covered and what is the age limit?

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Do I have orthodontic benefits?

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Do I have a waiting period with my dental insurance plan?

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Do I have a deductible for preventative services?

Most insurance companies will tell you how they will cover a procedure if you give them the ADA code, which can be found in the treatment plan.

Your Responsibilities: Your estimated patient portion must be paid at the time of service. As a service to our patients, we will bill insurance companies for services.

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