Frequently Asked Questions about Insurance

Have questions about insurance?

Dental insurance can be tricky, but at Carolina Smiles, we handle most insurance issues for you. From making sure your policy is active to learning all the ends and outs of covered treatment, we will help clear up the confusion surrounding insurance. Here are some of our frequently asked questions.

  • What is the difference between in-network and out-of network?

    We are classified as an in-network provider for four insurance companies: Blue Cross Blue Shield, Delta Dental, Cigna, and Humana. If your policy is with any of these companies, you receive special perks for coming to our office. 

    With any other insurance company, if there are any differences between our standard fee and the insurance’s fee, your insurance will pay the lower fee and you will be responsible for the remaining. Even if we are out-of-network, we can likely still accept your insurance!


  • What does it mean if I am "maxed out?"

    Most insurance policies give each member a yearly maximum. This number--usually between $1000 and $2000--is the maximum amount your insurance will pay for services in a year. If you have done any large treatment such as crowns, implants, or surgical extractions, you may have used all of your allotted maximum for the year. Once you use all your benefits, you will be responsible for the cost of any other services within that year. We keep up with your remaining maximum, so if you are ever maxed out, we will tell you before your appointment.

  • Do I get two free cleanings a year?

    Most policies will pay for two regular cleanings a year for adults. However, they are not really “free.” The fee for these cleanings is usually deducted from your annual maximum. As long as you have benefits remaining, your insurance should cover most of the cost of the cleaning. For questions about how cleanings are handled with your policy, give us a call and ask to speak to our insurance coordinator.

  • Do you accept Medicare policies?

    The primary Medicare policies we accept are the Humana DEN plans. Since we are in-network with Humana, you can be seen in our office for no additional cost! 

    We will need to check your policy if you are enrolled in something other than Humana. If you have recently purchased a Medicare dental plan, let us know when you schedule your appointment and we will be happy to see if we can accept your insurance!

If you have additional questions or need help with your policy, give us a call! We will be happy to answer any of your questions!

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