Dental Insurance Plans We Accept

Navigating dental insurance can feel overwhelming, especially when you're unsure whether your provider will be accepted at your chosen dental practice. At Dental Health and Beauty, we believe that quality dental care should be accessible to everyone, regardless of their insurance situation, which is why we work with all major PPO insurance plans to help maximize your benefits.

Dr. Nicholas Polito and our experienced team understand the importance of transparent communication about insurance coverage and out-of-pocket costs. As an out-of-network practice, we handle all the paperwork and submit claims directly to your insurance provider on your behalf, ensuring you receive the maximum benefits available under your plan while maintaining our commitment to providing exceptional restorative and cosmetic dentistry services.

Being an out-of-network provider means we are not contracted with insurance companies at reduced fee schedules, allowing us to focus entirely on providing the highest quality of care without insurance restrictions. When you visit our Libertyville practice, we submit your claims directly to your insurance company and work to maximize your benefits.

Most PPO insurance plans provide coverage for out-of-network providers, typically covering 50-80% of usual and customary fees for preventive and restorative treatments. The remaining balance becomes your responsibility, but this arrangement often allows for more comprehensive treatment options and personalized care that isn't limited by insurance company restrictions.

We provide detailed treatment estimates before beginning any work, so you'll know exactly what your insurance will cover and what your out-of-pocket expenses will be. Our team reviews your benefits thoroughly and explains all costs upfront, ensuring there are no surprises when it comes to your dental treatment.

MetLife consistently provides excellent coverage for our patients and processes claims efficiently. Their reimbursement rates for cosmetic and restorative procedures are typically among the highest we see, making them an excellent choice for comprehensive dental care.

Aetna offers reliable coverage with timely processing and fair reimbursement rates. Many of our patients with Aetna coverage find their benefits work well for both preventive care and major restorative treatments like crowns and bridges.

Our top-tier insurance providers also include:

1. Principal: Offers solid coverage options for both routine cleanings and complex procedures like root canal therapy
2. BlueCross Blue Shield of Illinois: Provides good benefits for preventive care and major restorative treatments
3. Cigna: Reliable coverage with fair reimbursement rates for comprehensive dental care

If you don't see your insurance provider listed above, please don't hesitate to contact our office, as we work with most PPO plans. Our experienced team will verify your benefits and provide a detailed breakdown of your coverage before any treatment begins, ensuring you have complete transparency about costs and insurance reimbursement.

We also accept the following insurance providers, and while reimbursement rates may vary, we work diligently to maximize your benefits regardless of your specific plan:

1. Guardian
2. Humana
3. United Healthcare
4. Anthem BCBS
5. BlueCross Blue Shield (other states)
6. Delta Dental

In addition to our preferred providers, we maintain relationships with numerous other insurance companies to serve our diverse patient base.

Understanding your dental insurance benefits helps you make informed decisions about your oral health care. According to the American Dental Association, regular dental examinations and good oral hygiene can prevent most dental disease, making preventive care an excellent use of your insurance benefits.

We recommend scheduling your routine cleanings and examinations early in your benefit year to maximize your preventive care coverage. Most insurance plans cover preventive services at 100%, including professional cleanings, examinations, and diagnostic X-rays.

For restorative treatments such as fillings, crowns, or dental implants, we work with you to schedule treatments strategically. If you're approaching your annual maximum, we can discuss spacing treatments across benefit years to maximize your coverage.

Our team also helps you understand any waiting periods, frequency limitations, or pre-authorization requirements your plan may have. We handle all the administrative work, from verifying benefits to submitting claims and following up on payments.

We understand that even with insurance coverage, dental treatment can represent a significant investment. That's why we offer several payment options to make quality dental care accessible to all our patients.

Our in-house DHB Dental Program provides an excellent alternative for patients without insurance or those looking to supplement their existing coverage. This membership plan offers significant savings on routine and restorative care, with annual memberships starting at $450 for individuals.

We also accept CareCredit financing, which allows you to spread the cost of treatment over several months with convenient payment options. This financing can be particularly helpful for larger treatments, such as smile makeovers or multiple restorative procedures.

At Dental Health and Beauty, Dr. Nicholas Polito brings over 30 years of experience in cosmetic and restorative dentistry to every patient interaction. As an accredited member of the American Academy of Cosmetic Dentistry, Dr. Polito combines artistic vision with technical precision to deliver exceptional results that enhance both function and aesthetics.

Our out-of-network status allows us to focus on what matters most: providing personalized, comprehensive care tailored to your unique needs and goals. Whether you're interested in a complete smile makeover or simply maintaining optimal oral health, we work with your insurance benefits to make quality care affordable and accessible. Contact us today at (847) 367-1133 or submit our online form to schedule a consultation and learn more about how we can help you maximize your insurance benefits.