• INSURANCE

  • At HQNguyen Dental, we make it a priority to provide you with the finest dental care that includes convenient financial options. We are in-network and accept most PPO dental insurances. Please contact our office for any dental insurance related questions and our team will be glad to provide you with detailed information. HQNguyen Dental is not contracted with HMO insurance plans or Medi-Cal.

    We accept many dental insurance plans and will file claims on your behalf, saving you the time and hassle. Our knowledgeable benefit coordinators can help you maximize your dental benefits and minimize your out-of-pocket cost. We will tell you upfront what your insurance plan will pay for and offer options for taking care of any remaining balance.

    What's the difference between PPO, HMO?

     PPO (Preferred Provider Organization)                                                       

    (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.

     Please call our office for more details

     

     

  • HOW DENTAL INSURANCE WORKS

    Dental insurance policies help many people effectively budget for the cost of maintaining a great smile. Compared to medical insurance, understanding dental insurance policies is a breeze. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you have to pay out-of-pocket. Dental insurance is available as part of medical insurance plans or as a standalone policy.

    HOW DENTAL INSURANCE CATEGORIZES AND PAYS FOR PROCEDURES 

    Dental procedures covered by insurance policies are typically grouped into three categories of coverage: preventive, basic and major. Most dental plans cover 100% of preventive care such as annual or semi-annual office visits for cleaning, X-rays and sealants.

    Basic procedures are treatment for gum disease, extractions, fillings, and root canals, with deductibles, co-pays and co-insurance determining the patient’s out-of-pocket expenses. Most policies cover 70% to 80% of these procedures, with patients paying the remainder.
     
    Major procedures such as crowns, bridges, inlays and dentures are typically only covered at a high co-payment, with the patient paying more out-of-pocket expenses than other procedures. Every policy differs in how procedures are categorized as preventive, basic and major, so it is important to understand what is covered when comparing policies. Some policies group root canals as major procedures, while others treat them as basic procedures and cover much more of the cost.
     

    DENTAL INSURANCE DOES NOT COVER COSMETIC PROCEDURES 

    Most dental insurance policies do not cover any costs for cosmetic procedures such as teeth whitening, tooth shaping, veneers and gum contouring. Because these procedures are intended to simply improve the look of your teeth, they are not considered medically necessary and must be paid for entirely by the patient. Some policies cover braces but usually require paying for a special rider and/or delaying braces for a lengthy waiting period.