High Desert Dental | Dental Insurance in Albuquerque

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3520 Montgomery Blvd NE
Albuquerque, NM 87107

(505) 888-2606

Dental Insurance
AGD Member
 

For those patients with dental coverage, we will file claims on your behalf, saving you the time and hassle. We will provide you with an estimate of what your insurance plan will pay for and offer options for taking care of any remaining balance. Our goal is to maximize your dental benefits and provide affordable care.

Fees are based on our experience in performing your dental needs and the quality of the materials used in providing your dental care.

If you have any questions or would like to review financial options with one of our team members, please feel free to contact us at (505) 888-2606.

The following are insurance carriers we are providers for:

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Aetna

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Blue Cross Blue Shield

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Cigna

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Delta Dental

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Guardian

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United Concordia

 

Insurance FAQ

What is a Covered Benefit?

Treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group's plan.

 

What is Optional Treatment?

Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to basic function.

 

What is the Difference between Indemnity, PPO, HMO Plans?

Indemnity or traditional insurance reimburses members or dentists at the dentist's UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without being limited to a panel.

PPO

(Preferred Provider Organization) is the most common form of insurance. They provide members with a list of participating dentists to choose from. The dentists on this list have agreed to a negotiated fee schedule, which provides you with greater cost savings. They also assist with insurance billing. Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings) and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000.

HMO

Also known as capitated or prepaid insurance was designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for patients assigned to the office. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don't pay for services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.

 

 
 
Albuquerque Dentist | Dental Insurance. Gary Ross is a Albuquerque Dentist.