Insurance
Here at Cultivate Kids, we believe in giving accessibility to all children which is why we have decided to be in-network with many plans. You are ultimately responsible for knowing what your plan covers but as a courtesy we try our best to estimate your out of pocket costs for you! Insurance can be a headache but we partner with you to make the most out of your benefits.
Updated 08.16.24:
We are now in-network with the following insurance plans:
1. Aetna
2. Ameritas
3. Blue Cross Blue Shield of Kansas City, Illinois, Michigan, Montana, New Mexico, North Carolina, Oklahoma
4. Cigna (DPPO Plans)
5. Delta Dental (PPO and PPO Premier)
6. GEHA (FEDVIP Standard Option, FEDVIP High Option, Connection Dental Plus)
7. Guardian (DentalGuard Preferred Only)
8. Humana (specific plans)
9. Lincoln Financial (Lincoln Dental Connect Plan Only)
10. MetLife (PDP Plus and FEDVIP)
11. Principal (All PPO Plans)
12. United Healthcare (Most PPO plans)
13. UNUM
We need the following information to verify your insurance benefits at least 48 hours before your child's appointment (e-mail this info to: [email protected]). Some insurance plans require your SSN.
1. Photo of the front and back of insurance card
2. Subscriber Name and DOB
Updated 08.16.24:
We are now in-network with the following insurance plans:
1. Aetna
2. Ameritas
3. Blue Cross Blue Shield of Kansas City, Illinois, Michigan, Montana, New Mexico, North Carolina, Oklahoma
4. Cigna (DPPO Plans)
5. Delta Dental (PPO and PPO Premier)
6. GEHA (FEDVIP Standard Option, FEDVIP High Option, Connection Dental Plus)
7. Guardian (DentalGuard Preferred Only)
8. Humana (specific plans)
9. Lincoln Financial (Lincoln Dental Connect Plan Only)
10. MetLife (PDP Plus and FEDVIP)
11. Principal (All PPO Plans)
12. United Healthcare (Most PPO plans)
13. UNUM
We need the following information to verify your insurance benefits at least 48 hours before your child's appointment (e-mail this info to: [email protected]). Some insurance plans require your SSN.
1. Photo of the front and back of insurance card
2. Subscriber Name and DOB
Our office is considered out of network for all other insurance companies. Therefore, our patients pay us directly for the services rendered at the time of the appointment. You will then be reimbursed by your insurance company directly a portion back. As a courtesy, we will file these insurance claims for you, and then you will receive payment. (Think about it kind of like a rebate!)
Fact 1: No insurance pays 100% of all procedures.
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90-100% of all dental fees, but this is not true. Most companies only pay between 50-80% of the average total fee. If your insurance stated they will pay 100% of a procedure, it is based on the insurance company's fee list (called an UCR list) and not the individual dentist's fee list.
Fact 2: Insurance benefits are not determined by our office.
Your insurance benefit is determined by your specific plan. We have no input on what your insurance pays for procedures, and each insurance company has their own set of fees and guidelines. You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceed the UCR used by the company. Unfortunately, insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low.
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90-100% of all dental fees, but this is not true. Most companies only pay between 50-80% of the average total fee. If your insurance stated they will pay 100% of a procedure, it is based on the insurance company's fee list (called an UCR list) and not the individual dentist's fee list.
Fact 2: Insurance benefits are not determined by our office.
Your insurance benefit is determined by your specific plan. We have no input on what your insurance pays for procedures, and each insurance company has their own set of fees and guidelines. You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceed the UCR used by the company. Unfortunately, insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low.
No Insurance? No Problem! Introducing...our Cultivate Kids Membership Plan!
Now Offering Financing Options via Cherry