Sunnyvale Dental Care is a part of the vast Ameritas Dental PPO insurance network. Even if your plan allows you to seek care from an out of network dentist, you will receive cost saving benefits by staying in network. As a preferred provider, Sunnyvale Dentist Dr. Gupta bills Ameritas Dental PPO insurance patients based on a reduced fee schedule.
There are several Ameritas Dental PPO insurance plans to choose from. Most plans pay claims on a percentage basis. The types of covered services are divided into three categories: Diagnostic / Preventative Services, Basic Services, and Major Services.
Some people have dental insurance coverage for years and only use it for dental emergencies. By utilizing preventative dental coverage, many emergency dental visits and the discomfort that come with them can be avoided. Preventative care includes routine child and adult cleanings, x-rays, examinations, and with some plans fluoride treatments and sealants. For patients with healthy teeth and gums, cleanings and checkups are recommended every six months. These routine visits are covered by many Ameritas Dental PPO insurance plans at 100% when done with an in network provider. There is also no waiting period for preventative dentistry.
Basic dental services generally have good coverage as well. You may expect basic services like non-surgical extractions, amalgam fillings, tooth colored bonded composite fillings, and root canals to be covered at 60% to 80% by many Ameritas Dental PPO insurance plans.
Major dental services have slightly less coverage at an average of 50% paid by the insurance company with a 50% out of pocket copay for the patient. Examples of major services are inlays, onlays, veneers, crowns, partial dentures, full dentures, bridges, and implants.
The maximum coverage amount per year per person depends on the individual plan chosen by you or your employer. Some dental insurance plans have a waiting period for certain procedures that can range from six months to one year or even longer.
To give you an accurate estimate of your treatment cost, Sunnyvale Dentist Dr. Gupta will examine your teeth and based on his findings give you a treatment plan. The Sunnyvale Dental Care insurance coordinator can then give you an estimate based on the benefits information received from Ameritas.