Insurance Guide

Insurance Guide
For our Patients
Reality Bites Dental

We are in network with MOST PPO plans. We are no longer taking Medicaid/ Medicare Plans.

  • Cigna PPO
  • Aetna PPO
  • Ameritas PPO
  • Assurant PPO
  • BCBS PPO
  • Delta Dental PPO
  • Guardian PPO

We also, take certain discount plans:

  • Carrington Discount Plan
  • Carrington 500 Discount Plan
  • Aetna Discount Plan
  • Humana Discount Plan
  • United Concordia Discount Plan

Understanding Your Dental Insurance

As a courtesy, we will complete your insurance forms and submit them to your carrier. However, we have no relationship with your insurance company. The fee for care is ultimately your responsibility.

Why 100% coverage does not necessarily mean 100%:

The services covered under your plan are selected and paid for by your employer. Your employer negotiates with the insurance company as to how much the insurance company will allow for a specific procedure. We have absolutely no input or control over how much an insurance company will allow for a specific procedure. When your policy states it will cover 100%, it means it will cover 100% of the arbitrary fee that the insurance company has negotiated with your employer for each procedure. Although this fee is called usual and customary, insurance carriers set this fee without ever surveying the fees charged by dentists in the area. No insurance company has ever asked to see our fee schedule.

We set our fees to allow us to do what is required to achieve the best result, using the best materials and the latest technology. We do not cut corners. If the necessary fee for our care exceeds the arbitrary fee set by the insurance company you are still responsible for paying the balance of our fee unless specified by your plan.

Why “I only want what my insurance covers” is a mistake:

The services covered under your plan are chosen and paid for by your employer. Your employer has a choice in the level of coverage they buy for you. They often make this choice based on their best profit, not based on your best health. If they don’t cover a service or procedure you need to get well, it may be beneficial to tell your human resources department to buy better coverage for you the next time the plan is updated. In the meantime, you have to decide if it is worth paying for the necessary care yourself. Rest assured, we will only recommend care if we are sure that it is worth it for you in the long run. We want the expected outcome to justify your involved time, effort and cost. Many insurance companies have a yearly maximum of a $1000-$1500. Dental insurance is not cumulative, so if you don’t use it in a given year, you lose it. It is interesting, and disappointing, that when dental insurance companies became common in the early 1970s, the yearly maximum in many was the same $1000 it is today although the cost of delivering dental care has nearly tripled.

Why payment is due at the time service is rendered:

We accept assignment of benefits from all the companies. Most companies will send insurance payments directly to us. If we are able to predetermine the benefits payable for your treatment you will only pay the estimated co-payment portion at the time of your visit. Once all insurance has been paid, however, you will be responsible for any unpaid balance regardless of the level of insurance coverage. Some companies will only send insurance payments directly to you. We will be glad to submit the necessary forms on your behalf. However, in these instances, you must pay the entire balance at the time of treatment. You will then be reimbursed directly by your insurance company. We offer multiple payment options. Please ask us for details.

CareCredit health, wellness and beauty credit card

For dental procedure financing

Think of CareCredit as your own health, wellness and beauty credit card. Whether it's oral surgery, getting a crown or a general check up, you shouldn't have to worry about how to get the procedures you want. That's why we're pleased to accept the CareCredit health, wellness and beauty credit card. CareCredit lets you say "Yes" to recommended surgical and non-surgical dental procedures, and pay for them in convenient monthly payments that fit your financial situation. We currently only offer a 6-month differed interest program for transactions over $200.

CareCredit is a healthcare credit card that helps you pay for treatments and procedures for you or your family that may not be covered by insurance. With special financing options* You can use your CareCredit card again and again for your dental needs, as well as at 200,000 other healthcare providers, including dentists, optometrists, veterinarians, ophthalmologists and hearing specialists.

It's free and easy to apply and you'll receive a decision immediately. If you're approved, you can schedule your procedures even before you receive your card. With more than 21 million accounts opened since CareCredit began nearly 30 years ago, they are the trusted source for healthcare credit cards.

Learn more by visiting www.carecredit.com or contacting our office. Ready to apply? Apply online for your CareCredit healthcare credit card today.

You'll be smiling brighter in no time! Apply Now

*Subject to credit approval. Minimum monthly payments required. Visit www.carecredit.com for details.

Dr. Torres was very gentle...She really cared about
my dental needs and was very thorough...
–Santana Mendoza
MAKING CONFIDENT SMILES
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20079 Stone Oak Parkway Suite #2102
San Antonio, TX 78258
Phone: 210-399-5951   Fax: 210-265-3886
Email: info@realitybitesdental.com
Office Hours:
Mon: By appointment only • Tues: 9am - 5pm
Wed - Thurs: 9am - 7pm • Fri: 8am - 2pm
Sat: 9am - 3pm • Sun: Closed