Insurance, simplified
We work with most major PPO dental plans across the Bay Area — and we handle the paperwork so you don't have to. Verify your coverage, file your claims, and never get hit with surprise bills.
We work with most major PPO networks
In-network with the dental plans Bay Area families and professionals use most. Don't see yours? Many out-of-network plans still receive full benefits at our office — give us a call to verify.
Patients from leading Silicon Valley employers
We care for tech professionals and their families from across the Bay Area. Many of our patients work for these companies — and their employer-sponsored PPO plans typically cover routine care fully.
From plan card to claim, we handle it
Insurance shouldn't be confusing. Here's exactly what happens with your dental coverage from the moment you call our Bay Area office to the day your claim is paid.
Free benefits check
When you call to book, give us your insurance information and we'll contact your provider directly to verify your coverage, deductibles, annual maximums, and remaining benefits — all before your first appointment. Takes 1–2 business days, costs you nothing.
Clear cost breakdown
Before any treatment beyond a routine cleaning, you'll get a written breakdown showing what your insurance will cover, what you'll owe, and any deductible you still need to meet. No surprises, no fine print — and you can take it home to think it over.
We file your claim
Our front desk submits your claim electronically the same day as your appointment. You don't fill out anything, mail anything, or chase your insurer — we handle every step of the paperwork on your behalf.
We fight for you
If your insurer denies, delays, or underpays a claim, our billing team contacts them on your behalf — appealing decisions, providing documentation, and following up until it's resolved. You shouldn't have to fight your insurance company alone.
Everything you've ever wondered about dental insurance
Dental coverage can feel confusing — here are the questions Bay Area patients ask us most. If yours isn't here, give your local office a call.
What's the difference between in-network and out-of-network?
In-network means we have a contracted rate with your insurance company — you typically pay lower out-of-pocket costs. Out-of-network means we don't have that contract, but most PPO plans still cover the same percentage of treatment. We accept both, and we'll show you the difference in writing before any work begins.
What does most dental insurance typically cover?
Most PPO plans follow a 100/80/50 split: preventive care (cleanings, exams, X-rays) is 100% covered, basic procedures (fillings, simple extractions) are about 80% covered, and major work (crowns, root canals, implants) is around 50% covered. Plans vary, so we'll verify your specific benefits before your visit.
What's an annual maximum and why does it matter?
Most dental plans cap how much they'll pay per calendar year — usually between $1,000 and $2,500. Once you hit that ceiling, you're responsible for the rest until January 1 resets it. For larger treatments, we sometimes split procedures across two calendar years to maximize your benefits.
Do I have to pay my deductible upfront?
You'll pay your deductible (usually $25–$100) at your first appointment that involves non-preventive work — fillings, crowns, anything beyond a cleaning and exam. Most preventive care doesn't apply toward the deductible, so it can be free even before you've met it.
My spouse and I both have insurance — can I use both plans?
Yes — this is called dual coverage. Your primary plan pays first, then your secondary plan can cover most or all of the remaining balance. Bring both insurance cards to your visit and we'll coordinate benefits so you get the maximum coverage from both plans.
Can I use my HSA or FSA at your office?
Yes — dental care is a qualified medical expense, so you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) for any procedure, including cosmetic work, orthodontics, and your portion of insured treatments. Just swipe your HSA/FSA card at checkout.
My employer offers multiple dental plans — which should I pick?
For most Bay Area patients, a PPO plan is the best choice — it gives you flexibility to choose any dentist and typically covers our practice. Avoid DMO/HMO plans if you want to come to us, as those often restrict you to a small assigned network. We're happy to help you compare your employer's options during open enrollment.
What if my insurance denies a claim?
Our billing team handles it. We'll appeal the denial on your behalf, submit additional documentation, and follow up with your insurer until it's resolved. If a claim ends up legitimately uncovered, we'll let you know exactly what you owe — and we can offer financing if needed.
Still have insurance questions? Our front desk teams across all three Bay Area offices know dental insurance inside and out — they're happy to walk you through anything.