Tag Archives: Cigna Dental PPO

“Hey, Do You Take My Insurance?”

Lookie what I found... it's a bill

This time of year here in Nashville we seem to get more questions about dental insurance than any other time. Do y’all accept Cigna, Health Spring, Delta Dental, Blue Cross Blue Shield, etc, etc. With a new year often comes resolutions to lose weight as well as changes to dental benefits.

Here’s a quick list of changes to most dental insurance plans in the new year…

1) New plan year maximum. Most dental insurance plans pay a certain amount of benefits each year and that’s it. At the end of the year what you don’t use doesn’t roll into the next, you start over with a new amount. So with each new year you get another batch of funds to help cover your dental expenses. That means if you have work you’ve been waiting to do, now is the time when you have the most available funds to get it done.

2) New plan. Employers often change their benefits and that can mean new dental insurance for you. This can be good or bad. A new dental insurance plan may cover more procedures. That’s good. High five! On the other hand, a new plan may have a waiting period (it won’t cover procedures until a certain amount of time has passed) or it may cover fewer procedures. That’s bad. Booooo.

Do as Indiana Jones did and chose your dental insurance wisely

3) Different plan options. Patients are often given a choice of plan near the end of a year or at the beginning of a new year. So it’s time to chose and chose wisely. One plan may have a low premium, but you may not get as much coverage. Another may cost moe, but provides better coverage. Which dental insurance plan is right for you depends one your personal situation and dental health.

Confused yet? Good, ’cause there’s more…

4) Deductible. Tax deduction.. wha? No deductible. This is the amount you have to pay out of pocket before the plan benefits kick in. Again, it’s different with every dental insurance plan, but with each new year you have to meet your deductible.

Another issue that we run into is people who are current patients who change dental insurance plans and think that they can no longer come to our office. That is not necessarily the case. We participate with many dental insurance plans, so the chances are that if you switch insurance plans, we accept the new plan too.

Just in case you are wondering, our office is in network with Delta Dental of Tennessee, Cigna Dental PPO, United Healthcare, Blue Cross Blue Shield of Tennessee, Health Spring, Connection Dental Network, and accept many other dental insurance plans. So if you live in Nashville and are looking for a new dental home, well, now you’ve found one.

If you have any other questions about dental insurance please call our Nashville office at 615-298-2385 or visit our office website at www.MusicCitySmiles.com

 

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The Clock is Ticking… Why Mick Jagger Doesn’t Give Good Dental Advice

 

"Get your dental work done before the end of the year!"

 

“TI-eye-eye-ime… is on my side… yes it is!” sang Mick Jagger. Um, no it isn’t. Why? Your dental insurance benefits are about to expire!!

Here we are at the end of the year. Hanukkah, Christmas, New Year’s, parties, shopping, etc, etc. It’s a busy time for all of us, but don’t forget about your teeth and your oral health. specifically, don’t forget about how to pay for your dental care.

See, the end of the year brings a close to a lots of things, and included in this are your dental insurance benefits. This is because most dental insurance plans operate on a calendar year, and that means that at the end of each year, your amount of coverage goes away if you don’t use it.

Wha?

Basically, if you don’t use it you lose it. Here’s how it works: an insurance plan allows you to you a certain amount of their money to help you pay for dental care in a given year. At the end of that year, whatever amount you don’t use just goes away. Bye bye.

That being said, my advice to you is to get on it!! Make haste! Get ‘er done! Or whatever motivational phrase you need to hear to maximize your dental benefits. I mean for Pete’s sake (who is Pete by the way?), there’s a stack of cash out there to help you take better care of your health… don’t let it go to waste.

Here’s some ways you can save money and take good care of your teeth…

1) See you dentist every 6 months. This is because it allows any problems to be detected early and thus corrected in the easiest and least expensive way. Also, getting your teeth cleaned and checked ever 6 months is kinda like changing the oil in your car… it’s just proper maintenance.

2) Take care of any treatment needs before “it hurts.” I have this conversation daily with patients. People always seem to wonder if they need treatment if nothing hurts. Makes sense. But the problem is that teeth typically don’t hurt unless the nerve is damaged, and at that point we’re talking root canals and pulling teeth rather than fillings or crowns. Waiting until something hurts to fix it means more expense or having fewer teeth.

3) Make the most of your dental benefits. This means using as much of your yearly benefits as you can. Now, obviously if you have no treatment needs, don’t go looking for a way to use dental insurance benefits. But, if you have treatment needs, don’t just let those benefits sit there and go to waste. Even if you don’t have dental insurance, you may be able to deduct your dental expenses on your taxes!! Consult your accountant on that one.

Our office participates with several dental insurance plans including Cigna PPO, Blue Cross Blue Shield of TN, Delta Dental, Health Spring, and Connection Dental network just to name a few.

So don’t listen to Mick!! Time is not on your side. Don’t let those benefits go to waste. If you live in Nashville and need a dentist who takes Health Spring, or Cigna PPO, or Delta Dental, or if you just have questions about you dental benefits, please give us a call at 615-298-2385 or check us out online at www.MusicCitySmiles.com .

Happy Brushing!

Our Office Now Accepts More Insurance Plans!!

One of the most common questions people ask us before coming to our office is “Do you take my insurance?” It certainly is a valid question. While we never strive to let insurance dictate our level of care, it is an ever present third party that can affect your dental health.

The good news is that our office does in fact participate with many major insurance plans, and recently we have added a few others to serve more and more Nashville area residents.

Health Spring is fairly new to the dental market. It is a supplemental dental plan that covers services such as diagnostic procedures and cleanings, but it also provides discounted fees for its members. This is a great plan if you have Medicare but no dental coverage. For more information about Health Spring insurance you can visit their website here.

Cigna is no stranger to the insurance market. We have recently joined the Cigna PPO network of providers. This plan covers many residents of Middle Tennessee including those of you who work at Vanderbilt.

Additionally, we are have joined GEHA Connection Dental. This network services many plans, and covers thousands of residents here in the middle Tennessee area.

As always, we continue to accept and are preferred providers for Delta Dental, Blue Cross Blue Shield, Aetna, and United Healthcare to name a few.

Another thing we want our patients to keep in mind, is that even though your dental insurance provider may change from time to time, chances are we are a provider with the new plan. Please feel free to contact our office and talk with one of our insurance coordinators to help you understand and maximize your dental benefits.