Cusp Dental is in-network with most major PPO dental insurance carriers, and we work with many out-of-network plans with comparable coverage. We verify benefits before your first visit, walk through what your plan covers in plain English, and submit claims directly so you don't have to chase paperwork.
Insurance carriers we accept
We're in-network with most major PPO plans. If your insurance isn't listed, call us, we likely still work with it. Out-of-network coverage is often comparable, especially for preventive care.
- Aetna
- Anthem Blue Cross
- Cigna
- Delta Dental
- Guardian
- MetLife
- Principal
- United Concordia
- UnitedHealthcare
Don't see your plan? Give us a call at (916) 451-4856, we'll verify your benefits at no cost, usually within one business day.
What's typically covered
Most PPO dental plans tier coverage by service category. Here's the rough breakdown, your specific plan may vary, but this is what most patients see.
Preventive
Typically 100%
Routine cleanings (usually twice per year), exams, bitewing X-rays, fluoride treatments, and oral-cancer screenings, typically covered at 100% with no deductible.
Basic
Typically 70–80%
Composite (tooth-colored) fillings, simple extractions, periodontal scaling, and routine treatment, usually covered at 70–80% after the annual deductible.
Major
Typically 50%
Crowns, bridges, dentures, complex extractions, and implant restorations, generally covered at 50% after deductible, sometimes subject to plan-year frequency limits.
Cosmetic treatments (porcelain veneers, professional whitening, elective bonding) are typically not covered by dental insurance. We'll always tell you what your plan does and doesn't cover before treatment begins.
What to bring
To help us verify your insurance and check you in quickly:
- Your dental insurance card (physical or photo)
- A valid photo ID
- Any pre-authorization forms or documentation from your insurance provider
- Records or X-rays from a previous dentist (helpful but not required)
- Your primary insurance card if dental is bundled (some plans need both)
How claims work at Cusp Dental
We handle the insurance paperwork from start to finish. Here's exactly what happens behind the scenes:
-
We verify your benefits before treatment
When you book, our team contacts your insurance to confirm what's covered, your deductible status, and any frequency limits. This happens before your visit so we can give you an accurate estimate.
-
Written estimate with your share itemized
After your exam, you get a written treatment plan with full cost, insurance coverage, and your responsibility broken out by procedure. No surprise math at checkout.
-
We submit claims for you
Once treatment is complete, we submit the insurance claim directly. Most claims are processed within 2–4 weeks; we follow up with your insurance if anything stalls.
-
Patient share collected after benefits apply
For larger plans, we collect the estimated patient share at the time of service. If the actual insurance payment is different than estimated, we adjust your balance accordingly.
Common insurance questions
What insurance does Cusp Dental accept?
We accept most PPO dental plans, Delta Dental, Cigna, Aetna, Anthem, Blue Shield, MetLife, Guardian, and many others. We also work with many out-of-network policies, often with comparable coverage. If you're unsure about your specific plan, call (916) 451-4856 and we'll verify benefits for you.
Will you tell me what something costs before treatment?
Yes, every treatment plan comes with a written estimate before anything is scheduled. The estimate shows the full procedure cost, insurance coverage, your deductible status, and your out-of-pocket share. We don't recommend treatment without that conversation first.
What if Cusp Dental isn't in-network with my plan?
We work with many out-of-network policies. Coverage is often comparable, especially for preventive care. We submit claims on your behalf either way. Call us with your plan info; we'll verify benefits at no cost before your first visit.
Do you handle pre-authorizations for me?
Yes, for treatments that require pre-authorization (commonly periodontal therapy, multiple crowns, implants), we submit the documentation to your insurance and wait for their decision before scheduling treatment. This way you know your covered amount upfront, not after the work is done.
What if my insurance doesn't cover a treatment I need?
We tell you the full cost upfront and walk through alternatives, CareCredit financing, in-house Membership Plan pricing, staged treatment across appointments, or whether the treatment can safely wait. Insurance not covering something doesn't end the conversation; it starts a different one.
Are cosmetic treatments covered by insurance?
Usually not, porcelain veneers, professional teeth whitening, and elective cosmetic bonding are typically considered cosmetic and not covered. Some treatments that look cosmetic (a crown on a fractured front tooth, for example) may be covered when there's a functional reason. We'll always check before treatment.
Want us to verify your benefits?
Call us with your insurance card handy and we'll verify your dental benefits at no cost, usually within one business day. You'll know what's covered before you ever sit in the chair.