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Your Oral Health Comes First

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At Dream Dental, we believe your dental care should be guided by what's best for your health—not by the limitations of an insurance company.

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We are proud to be a fee-for-service dental practice, which means we are not contracted with insurance companies. This allows us to focus on providing personalized, high-quality dentistry using the latest technology, premium materials, and treatment recommendations based solely on your individual needs.

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The good news? Many dental insurance plans still provide reimbursement for services received at our office through out-of-network benefits.

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Our experienced team is here to help make the process as simple and stress-free as possible.

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Can I Still Use My Dental Insurance?

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Yes!

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If your dental plan includes out-of-network benefits, you can still receive care at Dream Dental and may be reimbursed by your insurance company.

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As a courtesy to our patients, we will:

✔ Verify your dental benefits before treatment

✔ Submit your insurance claims electronically

✔ Provide treatment estimates whenever possible

✔ Help answer questions about your coverage

✔ Assist you in maximizing your available benefits

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Every insurance plan is different, so our team is happy to review your specific coverage before your appointment.

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Does Out-of-Network Mean I'll Pay More?​

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Not necessarily.

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One of the biggest misconceptions about dental insurance is that choosing an out-of-network dentist always costs significantly more.

 

In reality, many dental insurance plans reimburse nearly the same amount whether you visit an in-network or out-of-network provider.

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Unlike medical insurance, dental insurance typically pays a percentage of the treatment fee based on your plan's benefits.

 

Depending on your specific policy, the difference in your out-of-pocket cost may be minimal—and in some cases, there may be little to no difference at all.

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Every insurance plan is unique, which is why our team will gladly verify your benefits before treatment and provide you with an estimate of your expected coverage.

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You may be surprised to learn that you can continue seeing the dentist you choose while still receiving valuable insurance benefits.

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Why We Choose to Remain Independent

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Many patients ask why we are not "in-network" with insurance companies.

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The answer is simple.

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Our priority is providing exceptional dentistry—not meeting the requirements of insurance contracts.

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Remaining independent allows us to:

• Recommend the treatment that's best for your oral health.

• Spend the time needed with every patient.

• Use high-quality materials and trusted dental laboratories.

• Invest in advanced technology that improves accuracy and comfort.

• Focus on long-term results rather than insurance limitations.

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We believe your treatment decisions should be made between you and your dentist—not dictated by an insurance company.

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Understanding Dental Insurance

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Dental insurance is designed to help offset the cost of treatment, but it does not always cover everything your dentist recommends.

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Most plans include:

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Annual Maximum:

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The maximum amount your insurance company will contribute toward your dental care each year.

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Deductible:

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The amount you are responsible for before certain benefits begin.

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Co-Insurance:

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The portion of treatment costs that remains your responsibility after insurance pays its share.

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Coverage Limitations

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Insurance companies often limit how often they will cover certain procedures, such as crowns, x-rays, cleanings, or replacement restorations.

 

These limitations are determined by your insurance plan and may not reflect what is clinically best for your oral health.

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Our recommendations are always based on YOUR dental needs

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Our Insurance Process

 

Step 1:

Schedule your appointment online or by phone.

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Step 2:

Provide us with your dental insurance information.

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Step 3:

Our team verifies your benefits before your visit whenever possible.

Step 4:

You receive the personalized care you deserve.

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Step 5:

We submit your insurance claim electronically on your behalf.

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Step 6:

Your insurance company processes the claim according to your individual plan benefits.

Our team is always available if you have questions throughout the process.

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Frequently Asked Questions

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Are you in-network with my insurance?

Dream Dental is an independent, fee-for-service practice. While we are not contracted with insurance companies, many patients still receive reimbursement through their out-of-network PPO benefits.

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Will you file my insurance claim?

Yes. As a courtesy, we electronically submit insurance claims and any necessary supporting documentation on your behalf.

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How much will my insurance cover?

Every insurance plan is different. Before treatment, we will verify your benefits and provide an estimate based on the information supplied by your insurance company.

Please note that insurance estimates are not guarantees of payment.

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When is payment due?

Payment is due at the time services are rendered. If your insurance company reimburses you directly, the reimbursement will be issued according to your individual policy.

For larger treatment plans, financing options are available.

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What if I don't have dental insurance?

No problem! Many of our patients do not have traditional dental insurance.

Ask us about the Dream Dental Membership Plan, which offers preventive care and exclusive savings without deductibles, waiting periods, or annual maximums. 

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Click Below to find out more about our in-House Plan

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