Dental Insurance – Chevy Chase, MD
Your Dental Benefits, Your Choice of Dentist
At Avant Dentistry, Dr. Yu and our team work with all dental insurance providers to help maximize your benefits and minimize your out-of-pocket costs. As a fee-for-service practice, we're committed to providing you with exceptional dental care while helping you navigate your insurance coverage.
Your Freedom to Choose Quality Care
Did you know that you have the right to choose ANY dental practice, regardless of your insurance plan's network? Your dental benefits are designed to help cover treatment costs at the practice of your choice, giving you the freedom to prioritize quality care and comfort over insurance restrictions. Whether your dental needs are large or small, Dr. Yu's goal is to make you feel comfortable while providing the excellent dental services you deserve.
How Your Benefits Work
Your dental insurance benefits work the same whether you visit an in-network or out-of-network provider. The key difference is simply in how payments are processed:
- Your coverage percentages stay the same - if your plan covers 80% of a procedure, that coverage applies everywhere
- Your annual maximums remain unchanged - you get the full value of your premium investments
- We handle all the paperwork - our experienced team files claims directly with your insurance provider on your behalf and digitally documents all submissions
Understanding Your Insurance Coverage
It's important to understand that insurance companies are businesses with a primary goal of profitability. A common misconception is that dental insurance pays 90-100% of all dental fees. In reality, insurance plans typically only cover 30-80% of average fees and may reimburse less than the actual dental fees incurred.
Your reimbursement depends on:
- The specific policy you choose
- How much coverage you elect
- Any contractual agreements between your employer and insurance company
When insurance companies reimburse less than actual fees, they often claim that fees are higher than "usual, customary, or reasonable" (UCR). This can be misleading - UCR rates are determined by insurance companies based on what they want to pay to maintain profitability, not on actual regional fee standards or the quality of care provided.
Why Choose Freedom Over Restrictions?
When you choose your dentist based on quality and trust rather than insurance networks, you benefit from:
- Personalized treatment plans tailored to your specific needs, not insurance limitations
- Consistent care relationships with Dr. Yu and our trusted dental team
- Access to the latest treatments and technology without network restrictions
- Peace of mind knowing your insurance benefits work for you, wherever you choose to receive care
We Make Insurance Simple
Our dedicated team handles all insurance communications, claim submissions, and benefit verifications for you. While we're committed to helping you get maximum reimbursement from your dental carrier, we want you to understand that it's ultimately your responsibility to know your specific coverage and the differences between medical and dental insurance.
We file the majority of claims electronically to expedite the process and get claims to your insurance company within days. Insurance companies are required by law to pay claims within 30 days of receipt. If your insurance company pays us directly, we will promptly send you the funds.
Ready to Experience Dental Care on Your Terms?
Contact Avant Dentistry today to learn how Dr. Yu and our team can help you make the most of your dental insurance benefits while providing you with exceptional, personalized dental care.