Dental insurance
In-network with the big three
Delta Dental Premier · Cigna Dental Plans · United Concordia — plus most other private dental plans accepted as out-of-network.
In-network plans
We're in-network with
Delta Dental Premier
Cigna Dental Plans (CDP)
United Concordia
We also accept most other private dental insurance plans as an out-of-network provider. Either way, we'll file the claim — you just bring your card.
How insurance billing works here
Bring your insurance card (or photo of it) to your first visit. We'll verify your plan, your deductible, your annual maximum, and any coverage limits before we schedule treatment. That way you know your estimated portion before anything happens.
We file the claim directly with your insurance company. Most carriers respond within four to six weeks. We'll send you a statement once we hear back, and any remaining balance is your responsibility — that's how dental insurance contracts work, since the agreement is between you and your carrier.
If a claim takes longer than six weeks, call us. A quick phone call usually clears up whatever is holding it up.
No insurance?
Try the Virginia Dental Club
For $259/year, you get two cleanings, two exams, and X-rays — plus 20% off every other service we offer. No deductibles, no waiting periods, no claim forms.
Learn about Virginia Dental Club →Common questions
Insurance FAQs
- Which insurance plans is Lynchburg Dentist in-network with?
- We're in-network with Delta Dental Premier, Cigna Dental Plans (CDP), and United Concordia. We also accept most private dental insurance as an out-of-network provider — we'll file your claim for you either way.
- What does in-network mean?
- In-network means we've agreed to your insurance company's contracted fees for the services they cover. That usually translates to lower out-of-pocket costs for you. Out-of-network just means our regular fee applies, and your insurance still pays whatever percentage your plan allows.
- What if my plan isn't on the in-network list?
- We still file the claim. The insurance company pays whatever they've agreed to pay your plan for, and you're responsible for any difference. We can run a quick benefits check before treatment to estimate your portion.
- Will you check my benefits before my visit?
- Yes — bring your card to your first visit (or send the info ahead of time) and we'll verify your plan, your remaining annual maximum, and your deductible status before any treatment is scheduled.
- Do you accept Medicaid or Medicare?
- Medicare doesn't typically cover routine dental care. Virginia Medicaid (Smiles for Children, DentaQuest) coverage varies — call our front desk and we'll let you know whether your specific Medicaid plan is currently accepted.
- What if I don't have insurance at all?
- Our Virginia Dental Club membership is a flat-fee alternative for patients without insurance: $259/year for two cleanings, two exams, and X-rays, plus 20% off every other service.
Questions about your benefits?
Call our front desk and we'll run a benefits check before your visit.