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United Medical Resources (UMR) Insurance
At Clove DDS, we understand how important it is to maximize your dental benefits, especially when you’re covered by United Medical Resources (UMR). As a patient-centered practice, we work with UMR to help you navigate your dental insurance, ensuring that your treatments are covered and your costs are as low as possible. Whether you need preventive care, restorative services, or more specialized treatments, we’re here to guide you every step of the way.
Coverage Details
UMR offers PPO dental plans that cover a variety of dental services. Your level of coverage may depend on the specific dental plan you have, but in general, here's an overview of what you can expect for different types of care:
- Preventive Care: Services such as regular cleanings, exams, fluoride treatments, and sealants are generally covered at 100%. Preventive care is crucial in keeping your teeth and gums healthy, and UMR encourages routine visits to maintain your oral health.
- Basic Care: Procedures such as fillings, extractions, and scaling/root planing are typically covered at 70%-80%. These services address common dental issues that arise over time, and they help restore your teeth to their optimal function.
- Major Care: Major dental treatments, including crowns, dentures, bridges, and root canals, are often covered at 50%. These treatments are necessary for repairing or replacing damaged teeth and preventing further complications.
- Orthodontics: Depending on your plan, UMR may provide partial coverage for orthodontic treatments like braces or clear aligners. However, orthodontic coverage is often subject to a lifetime maximum, so it's best to review your benefits for specific details.
Note: UMR’s coverage may vary based on your specific plan, so it's important to verify your benefits directly to get the most accurate information. We can help you with this process to ensure you understand your coverage options.
How to Verify Your Benefits
It’s always a good idea to verify your benefits before receiving dental treatments. At Clove DDS, we make this process as simple as possible for you. Here’s how we can assist:
- Contact Us: Let our team know that you are covered by UMR insurance. We’ll get started on verifying your dental benefits right away.
- Provide Your Insurance Information: To get started, we’ll need your UMR insurance card, which contains your member ID and group number.
- Benefit Verification: Our office will reach out to UMR to confirm your specific coverage, including what services are covered, the percentage of coverage for each treatment, and any potential waiting periods. This ensures you understand the full scope of your benefits.
- Cost Breakdown: After we verify your coverage, we’ll provide you with a clear estimate of the costs, including what UMR will cover and what your out-of-pocket responsibility will be. We want you to have all the information you need before starting any treatment.
PPO Insurance and Your Treatment Choices
UMR provides PPO insurance, which means you have the flexibility to choose from a network of participating providers. Staying within UMR's preferred provider network, like Clove DDS, ensures that you receive the highest level of coverage for your dental treatments, helping to keep your out-of-pocket costs as low as possible.
At Clove DDS, we make sure to stay up-to-date with the UMR network and can guide you to the right treatment options. We will explain exactly what your insurance covers and help you avoid unexpected costs.
Book Your Appointment Today
Contact Clove Dental today to schedule your appointment if you're a Guardian member. Let us help you get the most out of your insurance plan while providing exceptional care for a healthy smile.
Frequently Asked Questions
What preventive care is covered by UMR?
Preventive services like cleanings, exams, fluoride treatments, and sealants are typically covered at 100%. These services are essential for maintaining healthy teeth and gums and preventing more complex dental problems.
Does UMR cover basic dental care?
Yes, basic services like fillings, extractions, and scaling/root planing are generally covered at 70%-80%. The exact coverage depends on your specific plan.
What about major dental procedures like crowns or bridges?
Major dental treatments such as crowns, dentures, bridges, and root canals are typically covered at 50%. It’s important to check your specific plan to confirm coverage details, as some services may require pre-authorization.
Is orthodontic treatment covered by UMR?
UMR may provide partial coverage for orthodontics, such as braces or clear aligners. However, coverage is often limited by a lifetime maximum, so it's essential to review the specific details of your plan.
How can I verify my UMR benefits before scheduling my appointment?
Simply contact Clove DDS, and we will assist you in verifying your UMR benefits. We will provide you with a detailed estimate of your coverage, ensuring you’re aware of your financial responsibility before receiving any treatments.
Are there any waiting periods with UMR dental insurance?
Some UMR plans may have waiting periods for certain types of treatments, such as major care or orthodontics. We can help verify if any waiting periods apply to your specific plan.
Get the Most Out of Your UMR Benefits at Clove DDS
At Clove DDS, we believe in transparency and making dental care as accessible and affordable as possible for all our patients. We work directly with United Medical Resources (UMR) to ensure that your benefits are fully utilized, and we assist you in understanding exactly what your plan covers.
Whether you need preventive care, basic treatment, or more advanced procedures, we’re here to help you make the most of your insurance benefits. Don’t hesitate to contact us if you have any questions or need help verifying your UMR dental coverage.
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