1. Call with your plan
Give us your insurance company and member ID when you book. Have your card handy.
Insurance and payment
Insurance and Payment Options at Dental Care at The Crossroads
We check your dental benefits and go over your costs with you before treatment starts, so you know what to expect.
Do you take my dental insurance?
Most likely. We work with more than 30 dental plans, including Delta Dental, MetLife, EMI Health, Aetna, Cigna and UnitedHealthcare. Call (385) 396-5839 with your plan name and we will check your benefits before your visit.
- We check your benefits for you, before you come in
- You get a cost estimate before any treatment begins
- Out of network? You can still be seen here, and we will help you use your benefits
Dental insurance
Dental plans we work with
These are the dental insurance companies we work with today. Each company sells many different plans, so the best way to know your coverage is to call us. We will look up your exact plan and tell you what it covers.
- Aetna
- Aflac
- Ameritas
- Assurant / Sun Life
- Blue Cross Blue Shield
- Careington
- Centene
- Central States
- Cigna
- Delta Dental
- DentaQuest
- EMI Health
- GEHA Connection
- Guardian
- HealthPartners
- Humana
- Liberty Dental
- Lincoln Financial Group
- Meritain Health
- MetLife
- Mutual of Omaha
- Physicians Mutual
- Principal
- Renaissance
- The Standard
- TruAssure
- UnitedHealthcare
- United Concordia
- Unum
- UPMC
- US Health Group
In network or out of network? Being on this list means we work with that company and can file your claim for you. Whether we are in network depends on your specific plan. When you call, we will tell you which it is and what that means for your costs.
Don't see your plan? Call us anyway. Many plans let you see any dentist, and we are happy to check.
How it works
Know your costs before treatment
Here is how we help you understand what you will pay.
2. We check your benefits
Our team contacts your insurance company to see what your plan covers and what you have left to use this year.
3. You get an estimate
After your exam, we explain your treatment plan and give you a cost estimate before we start any work.
4. We file the claim
We send the claim to your insurance company for you. Your estimate is our best guess. Your insurance company makes the final call on what it pays.
Out of network
Out of network? You can still be seen here.
Many plans pay part of the cost even when you see an out-of-network dentist. Patients are often surprised by how much their plan still covers. We will look up your benefits, show you what you can expect to pay and help you get the most out of your plan.
Ways to pay
Payment options
With or without insurance, we will go over your costs with you and help you find a way to fit care into your budget.
Dental insurance
We file claims with your insurance company for you. You pay your share of the cost, such as a copay or deductible.
Cash, check or card
We accept cash, checks and major credit cards for your share of the cost or for self-pay visits.
CareCredit
CareCredit is a health care credit card you can use to pay for care over time. It is subject to credit approval. Ask our team how to apply.
FAQ
Insurance and payment questions
How much will my visit cost?
It depends on the care you need and your insurance plan. After your exam, we will explain your treatment plan and give you a cost estimate before we start any work.
Will my insurance cover all of my treatment?
Most plans cover cleanings and exams well, then pay part of the cost for other care. Your share depends on your plan, your deductible and how much of your yearly maximum you have used. We will check your benefits and walk you through your costs.
I don't see my insurance listed. Can I still use it here?
Yes, in many cases. Call us at (385) 396-5839 with your plan name. We will check your coverage and tell you what to expect, even if we are out of network with your plan.
I don't have dental insurance. How can I pay?
You can pay with cash, check, a major credit card or CareCredit. Call us and we will go over your costs before treatment so there are no surprises.
When do my insurance benefits renew?
Most dental plans renew on January 1. Unused benefits usually do not carry over to the next year, so it is smart to use them before the year ends. Some plans follow a different plan year, and we can check yours.
Does Medicare cover dental care?
Original Medicare does not cover most routine dental care. Many Medicare Advantage plans do include dental benefits. Call us with your plan name and we will check what it covers.
Is my cost estimate a guarantee?
No. Your estimate is based on what your insurance company tells us about your plan. Your insurance company decides the final amount it pays after it gets the claim. We will help you understand any difference.
Questions about cost? Call us.
We are happy to check your benefits and talk through your options. Our office is at 153 W. Crossroads Blvd, in Saratoga Springs.