Frequently asked questions about dental insurance
What insurance plans do you accept?
We accept all insurance plans! PPO plans allow patients to select their own doctors and then reimburse submitted claims according to a set schedule of benefits. We may be "out of network" for your dental insurance, which means your out of pocket expenses may be slightly higher than if you use a dentist within your plan's network. You should verify your insurance information prior to picking a dentist to ensure there won't be any unpleasant surprises later!
How can I find out what my insurance will cover?
There are thousands of different dental insurance plans. The best way to find out what your dental insurance will cover is to contact your dental insurance provider and ask about your benefits. You may be able to find what you need on their website, or you may need to call customer service and speak to a representative. Your company's HR department may also be able to provide you with information. Some big companies have a representative who handles dental benefits exclusively.
What is a “fee schedule”?
The first place to start when trying to determine what is covered is to get your insurance company's "Fee Schedule" or "Schedule of Benefits." This is a list of dollar amounts that they cover for each procedure. For example, the "usual and customary" amount an insurance company will pay for Dental Procedure X is $75. If your dental office charges $100 for this procedure, you will be responsible for the $25 difference. Why won't my insurance company cover everything?
Dental insurance is far less robust than medical insurance. Dental insurance generally covers preventative dental care and maintenance of existing dental work, but not much more. Overall, it is rather inadequate, not comprehensive, and will only cover the bare minimum. There is usually a maximum yearly dollar amount they cover (the industry average is about $1000). The patient is responsible for any treatment costs over the yearly maximum.
Dr. Emam is focused on comprehensive care, and this encompasses more than the "bare minimum" covered by insurance companies. Dr. Emam doesn't work for an insurance company; she works for you, the patient. She will always be straightforward about the dental care you need, and that may or may not match up with what your insurance company will pay for.
What if I don’t have dental insurance?
There's no need to worry. We work with all patients to create a long-term plan for your dental health, and we customize treatment based on your budget. Think of this dental health "master plan" as you would a to-do list for a dream house. You complete the house one phase at a time. One tooth or procedure is done at a time in order to achieve your long-term dental health goals.
Who should I talk to if I have questions?
You can call our office at (650) 835-4422 and we will be happy to talk through any insurance questions you have. We are always your advocate for the insurance process!
Roshan Emam DDS is located at
850 Middlefield Rd. Suite 8
Palo Alto, CA
The use of PPE per CDC guidance is for a primary objective, which is to protect dental care professionals at Roshan Emam DDS and patients from infection. The CDC guidelines cover selection and use of Personal Protective Equipment, or PPE to ensure safe practices when donning, using and removing PPE per CDC guidelines. This goal…
Cosmetic dentistry is the specialty that focuses on improving the way that the teeth appear. Additionally, cosmetic dentists make an effort to improve overall function. There are many different cosmetic dentistry options for improving one’s teeth and gums, making it necessary to understand how each works. Ready to learn more?Understanding the different types of cosmetic…
According to general dentists, oral piercings can actually be hazardous to your health. Your personal style is how you portray yourself, and you may have considered oral piercings as part of this. However, you may not realize that these piercings can harm your gums and mouth. This also includes your teeth.While no piercing is completely…
Wanting to understand more about tooth fillings, also known as dental fillings, before you make an appointment to have your cavities filled? Smart. Dental fillings are also used to repair any damage in a tooth, which makes the tooth strong once again. As you can see, fillings play a very important role in ensuring that…
Nothing ruins a perfectly good day like tooth pain. It can leave your mouth sore and tender, it can make your gums throb with pain and it can even lead to some rather vicious headaches. Toothaches are the way the body signals the brain that there are problems in the mouth. The most effective way…