Understanding Dental Insurance

Ferguson Dental Associates has always operated as a fee for service dental practice. We chose this model because we strongly believe that it allows us to provide the best dental care to our patients, care that we would not be able to provide given the limitations and policies of current dental insurance programs. As a result, we do not “participate” in any given dental plan, but we do accept dental insurance as an out-of-network practice.

We work in partnership with our patients to maximize their health benefits and facilitate reimbursement. At each office visit we are happy to assist you in this process by submitting insurance forms on your behalf at the conclusion of your visit.

We understand that quality dental care can be expensive. However, we believe the investment in your long-term oral health with a trusted dental provider is worthwhile. We are committed to providing high quality dental treatment with the best team and technology available. At Ferguson Dental you can expect that the right treatment options for your unique dental needs and priorities will be presented without the limitations and bias of the dental insurance industry.

Additional Dental Insurance Facts

1. While individual plans and companies vary greatly, our patients often receive similar reimbursement using their out-of-network benefits at Ferguson Dental as they would at an in-network dentist. It is important to learn and understand your unique plan and benefits.
2. Dental Insurance is fundamentally different from medical insurance. Maximum payable benefits typically are around $1000-$1500 per year. This maximum benefit of most dental insurance plans today is almost identical to the annual maximum benefit of dental insurance plans of 40 years ago. The percentage of reimbursement varies greatly depending upon the premiums paid for a particular plan and the limitations of the agreement.
3. Dental insurance is a benefit designed to help defray the costs of quality dental care but is not all-inclusive of what an individual may need or desire to obtain optimal dental health for a lifetime.

Your smile and oral health are our top priority. We offer generous payment plans and are always willing to work with families to access needed dental care. Please contact us directly to discuss your individual insurance questions!