Galt Family Dentistry

 Insurance FAQ

 

At Galt Family Dentistry we want to make every effort to provide you with the

best quality care and utilize your insurance benefits to the fullest. 

Our knowledgeable staff strives to provide you with the

 most accurate estimates and treatment plans.

 

We accept and honor most dental plans.  We are a Delta Dental Premier Provider and are able to bill most PPO dental plans, if you have any questions about your specific dental plan please call our financial coordinator at (209) 745-2929.

Traditional Insurance reimburses members or dentists at the dentist's UCR (Usual, Customary & Reasonable fee).  This allows the subscriber to go to any dental office without being limited to a panel. 

PPO
(Preferred Provider Organization) is the most common form of insurance.  They provide members with a list of participating dentists to choose from.  The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings.  They also assist with insurance billing.  Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings).  Annual maximums generally range from $1,000 to $2,000.

HMO
, also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate.  Participating providers receive a monthly capitation check for patients assigned to the office.  This amount is only a few dollars and is intended to offset the administrative costs.  HMOs generally don't pay for services rendered.  Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.

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