We welcome most PPO plans. This means we’re happy to treat patients with a wide range of PPO dental insurance even if we’re not technically in-network.

In-Network: We have a contract with your insurance company, which means set discounted fees. Your insurance company pays its portion based on those contracted rates, and you may have a lower out-of-pocket cost.

Out-of-Network: We don’t have a direct contract with your insurance company, but with most PPO plans you can still use your benefits here. Your insurance will often cover a substantial portion of treatment, especially preventive care. You may have as lightly higher co-pay depending on your plan, but you can still receive excellent care and maximize your coverage.

Not at all. PPO plans are designed to give you freedom of choice. Even out-of-network, your plan provides benefits. Preventive services (cleanings, exams, x-rays) are often covered at a high percentage. We’ll help you understand your specific coverage before you begin treatment.

As a courtesy, our team:

• Submits your claims and paperwork on your behalf.
• Works with your insurance company to maximize your benefits.
• Helps you understand your coverage and expected out-of-pocket costs.

Your insurance company will reimburse you according to the benefits outlined in your employer or group plan. Because every plan is different, your reimbursement depends on the agreement between your employer and your insurance company, not the dental office.

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Yes. Before starting treatment, we will:

• Verify your insurance plan for estimated coverage.
• Provide treatment information and answer all your questions.
• Give you an estimate of your insurance benefits and co-pay.

Most plans include deductibles, exclusions, limitations, and annual maximums. We account for these when providing your estimate. Any patient portion is due at the time of service.

We make every effort to give accurate estimates. If your insurance pays more than expected, you’ll receive a refund or account credit. If it pays less, we offer convenient payment options, including text-to-pay and online payments.

Because your benefits still work for you, and your care is never limited. Choosing out-of-network allows you to:

• Stay with a dentist you know and trust.
• Receive treatment recommendations based only on what’s best for you.
• Use your PPO benefits without being restricted to only in-network providers.

Insurance participation varies by location. We recommend calling your practice directly to confirm current participation.

At Espire Dental, our focus is on you. Our clinical recommendations are always based on your best interest, not your insurance plan. We handle the paperwork, give you clear estimates, and make every effort to provide the most accurate information about your benefits. Our team is here to answer your questions and ensure you have the best dental experience possible.