Dental Insurance in Moreno Valley, CA

At Moreno Valley Dentist, we believe quality dental care should be accessible to everyone. Our office accepts most PPO dental plans, HMOs, and Denti-Cal to help make your treatment more affordable. Our experienced dental team will help you understand your coverage and maximize your benefits while providing the exceptional care you deserve.
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Dental Insurance

What is Dental Insurance?

Dental insurance is a healthcare benefit that helps cover the cost of dental procedures, from routine preventive care to major treatments. Unlike medical insurance, dental plans typically focus on preventing dental problems through regular check-ups and cleanings.

Most dental insurance plans follow a 100-80-50 coverage structure, where preventive care is covered at 100%, basic procedures at 80%, and major treatments at 50%. This structure encourages regular preventive care to maintain optimal oral health and prevent more costly procedures down the line.

How Dental Insurance Works

1.

Preventive Coverage

Most plans cover routine cleanings, exams, and X-rays at 100% to encourage regular dental visits.

2.

Annual Maximums

Insurance plans typically set a maximum amount they’ll pay for dental care each year, usually between $1,000 and $2,000.

3.

Waiting Periods

Some procedures may require a waiting period before benefits can be used after your coverage begins.

4.

Network Participation

Choosing an in-network provider like Moreno Valley Dentist often results in lower out-of-pocket costs.
Patient filling dental insurance

How PPO Dental Plans Work

Preferred Provider Organization (PPO) plans offer flexibility in choosing your dentist while providing the highest level of benefits when you visit an in-network provider. At Moreno Valley Dentist, we participate in numerous PPO networks and will file your claims directly with your insurance company. We’ll also help you understand your benefits and estimate your out-of-pocket costs before beginning treatment.

Which Treatments are Covered by Dental Insurance?

Most dental insurance plans categorize treatments into three main coverage levels. Preventive care, including regular check-ups, cleanings, and routine X-rays, is typically covered at the highest percentage. Basic procedures like fillings, extractions, and periodontal treatments usually receive moderate coverage.

Major procedures such as crowns, bridges, and dental implants are often covered at a lower percentage, and some cosmetic treatments may not be covered at all. Our dental team will work with you to understand your specific plan’s coverage and help you make informed decisions about your dental care.

Happy patient after getting dental implants at Moreno Valley Dentist
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Dental Insurance FAQs

If you have any questions about dental insurance, we’ve got answers.

Even if we are out-of-network with your insurance, we will work with your insurance to reduce care costs. Although many insurance plans may restrict in-network benefits to certain providers, you can normally use your plan at out-of-network dentist’s offices as long as you pay the difference in the coverage and treatment fee.

To help you better make decisions and understand your care, Moreno Valley Dentist will always print an itemized treatment plan that lists all fees and procedures included, along with your estimated insurance benefits and patient portion. That way, you know exactly what to expect prior to scheduling any treatment. Additionally, you can always choose to finance all or a portion of your procedure when necessary.

Every patient at Moreno Valley Dentist will receive a detailed treatment care plan with an itemized insurance estimate included. That way, if you’re planning to get a filling, crown, implant, or other procedure, you can see what your insurance is expected to cover compared to the total treatment price. When possible, our Moreno Valley dentist will also offer alternative treatments worth considering so that you can compare them to one another and budget accordingly.

Many of our patients do not have dental insurance and choose to finance their dental treatment. They are able to make affordable, low monthly payments instead of enrolling in a separate insurance plan. Talk with one of our team members today to find out if you need dental health insurance, other options available to finance all of your dental treatment if you don’t have insurance, and how affordable payment options work.