Insurance FAQ

What insurance does your office accept?

We are a Delta Dental Premier Provider.

We accept and honor other PPO plans, however we are out of network which means that your insurance is accepted at a lower benefit as determined by your insurance company.

We do not accept HMO plans, however we would be glad to help guide you during open enrollment to find a plan Dr. Poore accepts.  If you do not have insurance we can still see you as a private patient.

Dental Insurance

What is the difference between PPO, HMO, and Indemnity Insurance Plans?

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 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 and the patient is solely responsible for paying the doctor.

Indemnity or 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.

What is a covered benefit?

A covered benefit is treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group’s plans.

What type of insurance should I get?

If you are a current patient and are interested in getting new insurance, we suggest that you get an insurance plan with Delta Dental since we are a Delta Dental Premier Provider. We do accept other insurances, but sometimes it is more cost-effective to be a private patient depending on the treatment you will need and what your insurance will cover.