Insurance

At Knoxville Dental Group we are providers for most major dental PPO insurance plans including:

If you have a different insurance carrier than the list above, please call. Our insurance coordinator will be happy to tell you if we accept your insurance.

At Knoxville Dental Group we can work with you to maximize your dental insurance. We will phase your treatment in a way that works with your insurance benefits and your budget. We will always present you with all of your options and explain each option in detail.

What I Should Know About My Dental Insurance
Benefits from dental insurance continue to be important tools in helping patients receive necessary dental treatment. For us to provide the best possible care in an atmosphere of trust, we would like you to read some factual information about your dental insurance.

Fact

This is your insurance for which you are responsible. No matter what we may determine your benefits to be in a dollar amount, in reality you are responsible for the total cost of your dental care. We are here to help you determine and receive your benefits. As a courtesy, we will file your insurance so you will receive the maximum benefit due you as provided by your dental insurance plan.

Fact

Your insurance company may send you a written notice stating that dental fees are above "the usual and customary". The fact is their benefits are too low. Insurance companies take a survey of a geographic area, find the "average fee" out of all fees totaled, then they take 80% of that fee and determine it to be "usual and customary". Included in their survey are the discount and managed care clinics. These have greatly reduced dental fees which bring down the "average". Almost any dentist in private practice will have fees determined as higher than "usual and customary" by insurance companies.

Fact

As early as 1959, many dental insurance plans had a yearly maximum benefit of $1000.00. You may be surprised to learn that right now the average dental insurance plan has a yearly maximum benefit of $1000.00. It is frustrating to all involved in dental care that there has been no significant increase in yearly maximums over this long period. On the other hand, your premiums have risen tremendously.

Fact

A number of benefit plans tell their insured that they are covered "up to 80% or 100%", but are unclear and less than informative about limitations. The fact is that most plans will cover about 35% to 60% of "major" dental services. These percentages are based on their preset maximum fee allowances, which vary between insurance carriers.

Fact

Many routine dental services are still not a covered benefit by carriers.

We believe in providing you with the best dental care possible. That is why we cannot allow insurance benefits to be the determining factor in your diagnosis and treatment.

You are fortunate to have dental benefits that will assist you with the cost of your treatment. Many patients do not have these benefits. Even so, dental benefits are not intended to pay everything. Your benefits increase or decrease directly in relation to the quality of the benefit package purchased by your employer. Most dental benefits are paid as a percentage of each procedure and have a preset yearly maximum.

As a courtesy to you, our office staff will submit your claims to your benefit carrier. If we can send your claims electronically (dependent on your insurance company's ability to receive such claims), they will be processed much faster than claims sent by mail. We do accept benefit assignment and will carefully estimate the expected insurance benefit payment. You will only pay the patient estimated amount (the amount not covered by your plan) at the time procedures or services are provided.

Be advised that we cannot guarantee any benefit estimate. However, if your plan pays more than expected, you will receive prompt reimbursement. If your plan pays less than expected, we will expect your prompt payment of the balance due. We make every effort to see that your claim is accepted and paid. However, a small number of claims may be denied for various plan limitations. Our office is not responsible for claim denials.