Finding a dental practice that accepts your insurance can feel overwhelming, especially when you’re unsure about coverage details and benefits. You want quality dental care without the financial stress, and understanding your insurance options is the first step toward maintaining excellent oral health while staying within your budget.
At Brilliant Dental Care, Dr. Kevin Freeman and our team are committed to making dental care accessible for Houston families. We recently expanded our insurance partnerships to serve more patients in our community, and we work closely with you to maximize your benefits while providing the exceptional care you deserve. We understand insurance can be confusing, which is why our financial information team is here to help you navigate your coverage and explore all available options for your dental treatment.
In-Network Insurance Plans We Accept
Dr. Freeman and our Houston dental team are proud to be in-network providers with multiple insurance companies, giving you access to quality care at reduced costs. We participate in the Connection Dental network, which serves as an umbrella for dozens of different insurance plans. This extensive network means we likely accept your current insurance coverage.
Additionally, we are in-network providers with Delta Dental, one of the most widely recognized dental insurance companies in Texas. Delta Dental coverage often includes preventive care, basic restorative services, and major dental procedures, though specific benefits vary by plan.
When you choose an in-network dentist like Dr. Freeman, you typically receive several financial advantages. Your insurance company has negotiated pre-determined rates with our practice, which means lower out-of-pocket costs for you. Many preventive services, such as cleanings and exams, are covered at 100% with in-network providers, while basic and major procedures often have reduced copays or coinsurance amounts.
Complete Connection Dental Network Coverage
The Connection Dental network provides comprehensive coverage for patients seeking quality dental care in Houston. This extensive network includes major insurance providers such as Aetna, Cigna Health and Life Insurance Company, Humana Dental Insurance, UnitedHealthcare Dental benefit providers, Ameritas Life Insurance Corp, and many others.
Major insurance companies within our Connection Dental network include Careington International Corporation, Best Life and Health Insurance Co., DenteMax with plans like AlwaysCare Benefits and Beam Dental, and Dental Network of America covering Blue Cross Blue Shield plans across multiple states. We also accept HRI Dental & Vision plans, Kaiser Permanente dental coverage, and MetLife Insurance Company PDP Plus plans.
Our network extends to specialized plans including GEHA Connection Dental Plus, Guardian Life Insurance Company of America, and Foundation for Medical Care HealthEdge plans. Medicare Advantage patients can utilize their benefits through various plans including Dominion National, First Continental Life, and West Virginia Senior Advantage programs.
Understanding Your Dental Insurance Benefits
Every insurance plan is unique, and benefit structures can vary significantly between employers and individual policies. Most dental insurance plans operate on an annual basis, with benefits resetting each calendar year. Understanding these key components helps you make informed decisions about your dental care.
Your annual maximum is the total amount your insurance will pay for dental services in a given year, typically ranging from $1,000 to $2,000. Your deductible is the amount you pay out-of-pocket before insurance coverage begins, usually between $50 and $150 per person or family. Preventive services often bypass the deductible requirement.
Our experienced team reviews your insurance benefits before treatment begins, providing you with a clear understanding of your expected costs. We submit pre-authorization requests for major procedures, ensuring you know exactly what to expect financially before we begin your treatment.
Delta Dental Coverage at Our Houston Practice
Delta Dental remains one of the most comprehensive dental insurance options available to Houston residents. As an in-network provider, Dr. Freeman can offer you the maximum benefits available under your specific Delta Dental plan. Coverage typically includes preventive care, basic restorative services, and major dental procedures.
Many Delta Dental plans cover preventive services at 100%, including routine cleanings, comprehensive exams, and necessary x-rays. Basic services like composite fillings and emergency treatments often receive 80% coverage. Major procedures, including dental implants and root canal therapy, typically receive 50% coverage.
Our team works directly with Delta Dental to streamline your claims process, reducing paperwork and ensuring faster reimbursements. We can also provide treatment estimates showing your expected out-of-pocket costs before beginning any procedure.
Major Insurance Providers We Accept
Beyond Connection Dental and Delta Dental, our practice works with numerous other major insurance providers to ensure comprehensive coverage for Houston families. We accept plans from NovaNet Inc., including Alternative Insurance Resources and Aflac PPO Dental coverage. United Concordia Inc. members can utilize their BCBS plans, while Lincoln Financial Insurance Company and Kansas City Life Insurance Company subscribers receive full in-network benefits.
Specialized coverage includes plans from Solstice Benefits Inc., Sun Life Financial Inc., and Principal Financial Group members. We also work with union-based coverage through Preferred Health Professionals, including Bricklayers Local Union and Construction Industry Laborers plans. Federal employees can use their GEHA and FCE Benefit Administrators coverage for comprehensive dental care.
Financing Options and Payment Plans
We believe financial constraints should never prevent you from receiving necessary dental care. In addition to accepting most major insurance plans, Brilliant Dental Care offers several financing options to help manage your dental investment. Our in-house Smile Advantage Plan provides an alternative for patients without traditional insurance coverage.
CareCredit financing allows you to spread treatment costs over several months with flexible payment options. Many CareCredit plans offer promotional periods with no interest charges, making expensive procedures more manageable. SunBit provides another financing alternative with quick approval processes and competitive rates.
Our financial coordinators work with you to find the best payment solution for your situation. Whether you need help maximizing your insurance benefits or exploring financing alternatives, we ensure cost never becomes a barrier to optimal oral health.
Maximizing Your Insurance Benefits
Getting the most value from your dental insurance requires strategic planning and understanding of your plan’s limitations. Most insurance policies operate on a “use it or lose it” basis, meaning unused benefits don’t roll over to the following year. Our team helps you prioritize treatments to maximize your annual benefits.
Scheduling preventive appointments early in the year allows you to use those benefits while preserving your annual maximum for unexpected needs. If you require extensive treatment, we can often spread procedures across two benefit years to maximize your coverage. Our technology allows us to provide efficient, comfortable care that works within your insurance timeline.
Cosmetic Dentistry and Insurance Coverage
While most insurance plans focus on necessary and preventive treatments, some cosmetic dentistry procedures may receive partial coverage if they also serve a functional purpose. Porcelain veneers that restore damaged teeth, or teeth whitening following certain treatments, might qualify for benefits under specific circumstances.
Our team evaluates each case individually, working with your insurance company to determine what coverage may be available. Even when cosmetic procedures aren’t covered, our financing options make these smile-enhancing treatments accessible and affordable.
Experience Quality Care with Brilliant Dental Care
Dr. Kevin Freeman brings years of experience and advanced training to every patient interaction at Brilliant Dental Care. After graduating from Indiana University School of Dentistry and completing his post-doctoral residency at UTHealth School of Dentistry in Houston, Dr. Freeman has dedicated his career to providing exceptional dental care with the latest technology and techniques. Our team continuously pursues education and training to ensure we offer the most current and effective treatments available, while working with virtually every major insurance provider to make quality care accessible and affordable for Houston families.
Whether you need routine preventive care, restorative treatments, or advanced cosmetic procedures, our comprehensive approach ensures you receive personalized attention and the highest standard of dental care. We combine Dr. Freeman’s extensive experience with cutting-edge technology to deliver efficient, comfortable treatments that work within your insurance benefits and budget. If you’re ready to experience comprehensive dental care that works with your insurance coverage, contact our Houston office at (713) 360-7638 or schedule your appointment through our convenient contact form.
