A couple talks about their dental health with a dentist in St. Louis Park.

Dental Insurance

At Ruby Dental, we aim to make high-quality dental care feasible for every family. That is why we accept several insurance plans and work with you to get the most out of your claim. We ask our patients to call us and confirm whether we accept your insurance plan.

It’s important to keep in mind that most dental insurance plans have limitations, and every procedure is not covered. Please remember that if your insurance does not cover your treatment, it is out of our hands. Ultimately, your plan coverage and benefits are agreed upon by yourself, your employer, and the insurer. Therefore, it is your responsibility to know your plans and what it covers.

Our team is happy to file your insurance claims, answer all your questions, and guide you through the insurance process. Please do not hesitate to contact our office to learn more!

Important Insurance Considerations

Please keep in mind the following about how insurance companies operate:

  • Insurance companies survey your geographical area, considering the prices for treatments in your area, and create an average based on said prices. They then use 90% of that number as its standard “usual and customary” fee for dental procedures. Because this is an average, some dental offices might offer treatment below that price and others above it.
  • Generally, dental insurance is not intended to cover the price of your entire treatment. Instead, coverage is meant to help patients with the costs and only cover a portion of the treatment.
  • Several insurance plans do not cover many routine dental services – please review your plan before visiting to ensure that your treatment is covered.
  • Although your plan might state that it covers up to 80% or 100%, it might not specify that the plan has a fee schedule allowance, annual maximum, or similar restrictions. In some cases, plans with this verbiage actually cover 35-65% of services depending on the plan’s maximum allowance.
  • If you are insured through your employer, the coverage is determined by which plan they choose. Generally, the less the plan costs your employer, the fewer the benefits you’ll receive.