Assurant PPO Pre-authorization

Sunnyvale Dentist Dr. Bhawna Gupta is an Assurant Dental PPO in-network provider. This means she has agreed to accept lower-cost Assurant Dental PPO fees, ensuring you receive quality care without unexpected expenses.

During your initial examination, you will have the opportunity to discuss your dental health concerns and treatment goals. Dr. Gupta will use this information, along with diagnostic equipment and tests, to develop one or more treatment plan options tailored to your needs.

What is Pre-authorization?

Pre-authorization is a process used by Assurant to determine the medical necessity of a procedure before it is performed. For certain treatments, especially major dental care, Assurant may require pre-authorization to ensure coverage.

This process not only helps avoid unexpected costs but also provides peace of mind by confirming that your planned treatment is deemed necessary.

Why is Pre-authorization Important?

Cost Management

Pre-authorization helps you avoid unexpected out-of-pocket expenses by confirming coverage before treatment.

Treatment Approval

It ensures that your planned treatment is deemed medically necessary by Assurant, which can facilitate a smoother claims process.

Enhanced Communication

The pre-authorization process fosters communication between your dental provider and the insurance company, ensuring that everyone is on the same page regarding your care.

Pre-authorization Process at Sunnyvale Dental Care

1. Consult with Dr. Bhawna Gupta

Discuss your treatment plan with Dr. Gupta and her team. They will guide you on which procedures require pre-authorization and assist in submitting the request.

2. Get a Treatment Cost Estimate

The insurance coordinator at Sunnyvale Dental Care is available to provide you with a treatment cost estimate based on the Assurant Dental PPO fee schedule before you schedule your appointment.

3. Receive Pre-determination of Benefits

For patients requiring major dental care, a pre-determination of benefits or pre-authorization can be requested directly from an Assurant Dental PPO representative. Although this may delay treatment, Dr. Gupta’s team will submit the pre-authorization on your behalf to give you added peace of mind.

Understanding Your Pre-authorization Document

While Assurant Dental PPO does not require a pre-determination of benefits for most dental services, many insurance companies recommend one for major treatments. This process may take a few weeks to complete.

The completed pre-authorization will include essential information such as your remaining annual benefit allowance, whether your deductible has been met, and details about covered procedures.

If your treatment is covered, it will show your estimated out-of-pocket costs and the amount Assurant will pay on your behalf.

Important Steps After Pre-authorization

Once your pre-authorization is processed, it’s crucial to schedule your dental appointment as soon as possible, as it is only valid for a limited time. All approved treatments must be completed while your Assurant Dental PPO insurance policy is active.

Please note that the pre-authorization is not a guarantee of coverage; final payment is determined after treatment completion and the submission of necessary documentation.

Expertise You Can Trust

Understanding the Assurant PPO pre-authorization process can feel overwhelming, but you don’t have to navigate it alone. Our team at Sunnyvale Dental Care is well-versed in working with Assurant PPO and is here to support you every step of the way.

Navigating dental insurance and pre-authorization can be complex, but with Dr. Gupta and our team by your side, you can ensure a smooth and stress-free experience.