Dental Insurance

Let’s face it—dental insurance in  Campbell CA and Los Gatos CA can feel like a maze of fine print and confusing terms. At Campbell Pediatric Dentistry, we believe you shouldn’t have to navigate it alone. Whether you’re due for a check-up or need more advanced treatment, we’re here to help you understand your coverage, use your benefits wisely, and avoid billing surprises.

Our team takes care of the insurance paperwork, claim filing, and benefit coordination—so you can focus on what really matters: a healthy, confident smile.

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Dental Insurance Plans We Accept

We proudly accept a wide variety of dental insurance plans to ensure our patients have access to the care they deserve. Our experienced front desk team handles claim submissions and benefit verification directly with your insurance provider.

Here are just a few of the plans we currently work with:

• Aetna
• Ameritas
• Anthem Blue Cross
• Cigna
• Delta Dental
• Guardian
• MetLife
• UnitedHealthcare
• United Concordia (UCCI)

Not sure if we accept your plan? Just give us a call at (408) 617-8188—we’re happy to look into it for you.

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How We Make Dental Insurance Work for You

Understanding your benefits shouldn’t be a guessing game. From the first phone call to the final bill, we walk you through the entire process.

• Step 1: Coverage Verification
  Before your appointment, we verify your dental benefits and review your coverage details. That way, you’ll know what to expect before you sit in the chair.
• Step 2: Personalized Treatment Planning
  Our team works with you to create a care plan that fits your needs and budget. We’ll outline your insurance coverage and help you make the most of your annual benefits—without sacrificing quality.
• Step 3: Claim Submission
  After your visit, we handle all the claim filing for you. No confusing forms or back-and-forth with your provider—we’ve got it covered.
• Step 4: Easy Payment Coordination
  Once your insurance processes the claim, we’ll notify you of any remaining balance. We also offer flexible payment options to make any out-of-pocket costs manageable.

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PPO vs. HMO Dental Plans: What’s the Difference?

When it comes to choosing dental insurance, knowing the difference between PPO and HMO plans can make all the difference in your experience and cost.

PPO (Preferred Provider Organization) Plans

PPO plans give you flexibility to choose from a broad network of dentists—and often let you see out-of-network providers with partial reimbursement. Here's a breakdown of typical coverage:

• Preventive care: Often 100% covered (cleanings, exams, X-rays)
• Basic procedures: Usually covered at 70–80% (fillings, extractions)
• Major procedures: Covered around 50% (crowns, bridges, root canals)
• Annual maximums: Typically range from $1,000 to $2,000

HMO (Health Maintenance Organization) Plans

HMO plans generally offer lower premiums and fixed copays but require you to stay within a smaller network of approved providers. These plans often require pre-approval for specialty services.

• Lower monthly costs
• Limited provider network
• Predictable co-pays
• Referral required for specialist care

Not sure which plan is right for you? Our team is here to help you break it down and choose the best option for your needs and budget.

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Common Questions About Dental Insurance

What does “covered benefit” mean?
A covered benefit is a service your insurance company agrees to pay for, either fully or partially. Every plan is different, so coverage levels vary.

What are “optional treatments”?
Optional treatments are services that may not be included in your plan, such as cosmetic procedures or elective upgrades. We’ll always review your options and pricing before proceeding.

Do I need to stay in-network?
With PPO plans, you typically have the option to go out-of-network, although your reimbursement rate may be lower. HMO plans generally require you to see in-network providers.

Still have questions? Give us a call at (408) 617-8188—we’re here to help you understand your coverage from start to finish.

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Let Us Help You Make the Most of Your Dental Insurance

At Campbell Pediatric Dentistry, our mission is to make dental care as accessible and stress-free as possible. From coverage checks to claims and everything in between, we take the guesswork out of insurance so you can enjoy seamless, worry-free dental visits.

Need help with your insurance or ready to schedule an appointment?
Contact us today—we’re ready to support your journey toward a healthier, brighter smile.