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Premera Insurance
Dental Coverage at Clove Dental
At Clove Dental, we understand the importance of affordable, high-quality dental care. That's why we proudly accept Premera Insurance to make dental treatments accessible and stress-free for our patients. This page provides a detailed guide to Premera Insurance dental benefits, including coverage details, how to verify benefits, our PPO partnership, and frequently asked questions. Our goal is to ensure you feel confident about your dental care and its associated costs.
Coverage Details for Premera Insurance
Premera Insurance offers a variety of plans to meet individual and family dental needs. Coverage typically depends on your specific plan, but the general benefits for PPO dental plans are outlined below:
1. Preventive Care (Often Covered at 100%)
Preventive services help maintain optimal oral health and reduce the need for extensive treatments later.
Examples include:
- Routine dental cleanings
- Fluoride treatments
- Dental sealants for children
- X-rays for diagnostic purposes
Preventive care is often fully covered by Premera PPO plans, with no out-of-pocket costs for patients.
2. Basic Care (Covered at 70%-80%)
Basic dental treatments address common oral health issues. Coverage levels usually range between 70% and 80%.
Examples include:
- Tooth-colored fillings for cavities
- Tooth extractions
- Deep cleanings (Scaling and Root Planing)
Patients are responsible for a small percentage of the total cost, which varies depending on the specific Premera plan.
3. Major Care (Covered at 50%)
Major dental procedures are typically covered at 50%, making advanced treatments more affordable.
Examples include:
- Dental crowns
- Bridges for missing teeth
- Dentures (partial or full)
- Root canals
4. Orthodontics (Varies by Plan)
Orthodontic treatments like braces or Invisalign may be partially covered under certain Premera plans, often subject to a lifetime maximum benefit. If orthodontic care is important to you, let our team verify if your plan includes this benefit.
How to Verify Your Premera Insurance Benefits
Verifying your insurance benefits doesn’t have to be a hassle. At Clove Dental, we offer complimentary insurance verification services to help you get clarity about your plan. Here's how it works:
- Provide Your Insurance Information
Share your Premera member ID and policy details with our front desk team when scheduling your appointment. - We Contact Premera on Your Behalf
Our experienced team will contact Premera to obtain detailed information about your plan, including coverage percentages, deductibles, and annual maximums. - Receive a Clear Estimate
Based on the verification, we’ll provide you with a detailed estimate of your out-of-pocket costs before your treatment begins. This ensures transparency and eliminates surprises. - Discuss Financing Options (If Needed)
If your treatment isn’t fully covered, we offer flexible payment plans and financing options to make your dental care manageable.
PPO Insurance Partners
Clove Dental is proud to be part of Premera’s Preferred Provider Organization (PPO) network, giving you access to:
- Lower Out-of-Pocket Costs: Enjoy reduced fees for covered services.
- Streamlined Claims Processing: We handle all insurance claims directly with Premera, so you don’t have to worry about paperwork.
- Comprehensive Care: Our skilled team provides a full range of dental treatments, all while maximizing your insurance benefits.
While you can choose an out-of-network provider, staying in-network ensures you get the most value from your plan. Clove Dental is committed to helping you make the best financial and healthcare decisions.
Transparency in Costs
1. Upfront Estimates
Before any treatment begins, we’ll provide a detailed breakdown of costs, showing what Premera Insurance covers and what portion you may need to pay.
2. No Hidden Fees
We ensure there are no surprises. Every charge is explained thoroughly to give you peace of mind.
3. Flexible Payment Options
For services not fully covered by Premera, we offer flexible payment plans, including CareCredit, to spread out your payments.
4. Clear Communication
Our staff is always available to answer your billing or coverage questions. We aim to make navigating insurance as simple as possible.
Frequently Asked Questions
What does Premera PPO mean?
Premera PPO plans allow you to visit any licensed dentist, but you’ll save the most when you choose an in-network provider like Clove Dental.
Does Premera cover cosmetic treatments like teeth whitening?
Most Premera plans do not cover cosmetic procedures. However, treatments like teeth whitening can be discussed with our team, and we’ll help you explore affordable options.
How do I know if a treatment requires pre-authorization?
Certain procedures, like major dental work or orthodontics, may require pre-authorization. Our team will handle the process and inform you if additional steps are needed.
What is an annual maximum, and how does it affect my coverage?
An annual maximum is the total amount Premera will pay for dental services in a year. Once you reach this limit, you’ll be responsible for 100% of additional costs until the new plan year begins.
Can I switch to Clove Dental if I’ve been seeing an out-of-network dentist?
Absolutely! Transitioning to an in-network provider like Clove Dental helps maximize your Premera benefits and reduces out-of-pocket costs.
How do I schedule an appointment and verify my benefits?
Call us at [insert contact number], and our friendly staff will assist you with booking your appointment and verifying your Premera coverage.
Why Choose Clove Dental?
At Clove Dental, we’re dedicated to making quality dental care accessible for everyone. By partnering with Premera Insurance, we simplify the process of managing dental costs while ensuring exceptional care for our patients. With a focus on personalized service, transparent communication, and expert treatment, you can trust us to prioritize your oral health and financial peace of mind
Schedule Your Appointment Today!
Maximize your Premera Insurance benefits with Clove Dental. Call us at [insert phone number] or use our online booking system to schedule your appointment. Let us take care of your smile while you enjoy hassle-free insurance management.
Save up to 60% by joining the Clove Care Plan
Concierge dentistry at affordable prices, paid monthly or annually for flexibility.