Navigating Dental Insurance: Know Your Options
Insurance coverage helps millions of Americans make regular dental visits and it can be a major hurdle for those who don’t have it or when their employer changes plans. After all, nothing is more important than your health, and a healthy mouth is a crucial component of a healthy body.
In those situations, what happens if you have a dental emergency? Will your insurance cover what you need? What if you don’t have insurance? Will you still be able to pay? At keith + associates, we take numerous dental insurance plans and offer our in-house membership plan K-Club to make sure you can get the care you need.
Insurance plans we accept
We accept most PPO plans. These include:
- Delta Dental
Plans we don’t take:
- Blue Cross and Blue Shield
In the case of Blue Cross and Blue Shield, we’ll still work with you the best that we can by submitting the claim on your behalf. Unfortunately, you’ll have to pay all costs upfront and be reimbursed by Blue Cross and Blue Shield later. Not all plans work this way though, some work on a fee schedule instead. Let us know, and we can call on your behalf and check your benefits and figure it out.
Do you take Delta Dental?
Yes, we do! In 2020 we changed how we work with them, changing from being a Delta Preferred Provider Organization (PPO) to a Delta Premier provider. Unfortunately, this change caused letters to be sent out erroneously stating that we no longer accepted Delta Dental. If you heard this don’t worry, it isn’t true!
Check out K-Club: It’s better than insurance
K-Club isn’t a traditional insurance plan, its actually a membership plan and we find that for many of our patients, it actually covers more of their needs and is priced to be affordable to families and businesses in Kansas City.
Basically, K-Club allows us to cutout the middle man and help you directly. Our monthly membership plan allows you to gain access to special discounted rates on dental services. Since K-Club isn’t insurance—and we handle your care in-house—there are no insurance companies, deductibles, or long waiting periods for care.
What does K-Club cover?
K-Club includes consultations, oral exams (2 per year), cleanings (2 per year), diagnostic x-rays (bite wings and panoramic every 3-5 years) at 100%.
Further discounts include 50% off scaling in the presence of gingivitis, a $1500 credit towards a complete implant package, 10% off Invisalign treatment, and 10% off “All-on-4” Implants.
Does K-Club cover cosmetic dentistry?
Yes, of course! While insurance companies typically don’t cover cosmetic procedures or the restoration of teeth missing before your coverage, K-Club does.
Beyond restorative dentistry, K-Club also includes the majority of services we offer at keith + associates, offered at 20% discount, including:
- TMJ Botox Treatment
- Crowns & Bridges
- Moderate IV Sedation dentistry
- Gum grafting
- And many more procedures
K-Club is simple to use, with a one-time activation fee and monthly membership fee. Once you’re setup, you can get service right away. For many insurance plans, you’re required to wait 12 months before any major work can be done, even if you’re in pain. It’s also common in insurance to deny insurance claims for a pre-existing missing tooth or to feature low maximums that limit your coverage.
No matter your smile goals, whether its to maintain a healthy mouth or completely restore your smile, we want to be your partner in dentistry.
If you have any questions about your smile journey, K-Club, or your current insurance plan, we’re always here to help.
Not sure if we take your insurance? Call our office at 913-384-0044, contact us online, or send us a message via Facebook with any insurance coverage questions you have or for more details about K-Club.