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Insurance

Insurance & your benefits

Dental coverage is confusing by design. Call us with your plan details and we will verify your benefits, explain what to expect, and put it in writing before you schedule.

Verify My Benefits Call (707) 838-1400

Plain Language

We make your coverage make sense

Every dental plan has its own deductible, annual maximum, waiting periods, and coverage percentages, and the fine print is rarely written to be understood. Rather than make promises about your plan we cannot see, we do something more useful: we look it up. Call our front office with your carrier and member information and we will verify your eligibility and benefits and translate them into plain English before you commit to anything.

Bonin Dental Care is an out-of-network practice, which means we are not contracted with any insurance carrier. That is not the same as having no coverage. Many PPO and indemnity plans still pay benefits when you see an out-of-network dentist, usually reimbursing at the plan's out-of-network rate rather than a contracted in-network rate. We will check exactly how your plan handles this and tell you what to expect before you schedule.

We file your claims for you as a courtesy. Our front office submits the paperwork, tracks the processing, and applies the carrier's payment to your account when it arrives. You pay your estimated portion at the visit, and if the plan pays more than expected we refund the overage; if it pays less, we tell you and discuss options. We do not send surprise balance bills after the fact without an explanation.

Bonin Dental Care does not currently participate in Denti-Cal, Medi-Cal, or dental HMO (DMO/DHMO) plans. For patients those plans do not cover at our office, we offer transparent self-pay pricing, phased treatment plans, and financing options so cost is not the reason care gets postponed.

Your right to a clear estimate

Federal law gives you the right to receive a Good Faith Estimate of the expected cost of any non-emergency dental service before it is provided. Bonin Dental Care presents a written, itemized estimate at every treatment plan, including each procedure fee, the expected insurance payment, and your estimated patient responsibility. We do not send unexpected balance bills after treatment. If your insurance pays less than estimated, we contact you to discuss options before any additional charge is applied to your account. Uninsured and self-pay patients may request a Good Faith Estimate at any time. For more information about your rights under the No Surprises Act, visit cms.gov/nosurprises or call 1-800-985-3059.

What Our Office Does for You

We handle the paperwork, you focus on your care

  • Verify your benefits before treatment

    Our front office calls your carrier to confirm eligibility, deductible status, annual maximum used, and coverage percentages on the procedures you need.

  • File your claim as a courtesy

    We submit the insurance claim with all required documentation, narratives, and X-rays. You do not need to file anything yourself.

  • Provide a written, itemized estimate

    Before any major treatment we give you a written breakdown showing the procedure fee, expected insurance payment, and your estimated out-of-pocket cost so there are no surprises.

  • Coordinate pre-authorizations when needed

    For larger cases like crowns, implants, and full-mouth work, we submit pre-authorization requests so you know what your carrier will cover before you commit.

  • Sequence treatment across benefit years

    If your plan benefits would otherwise cap mid-treatment, we can phase your plan across two calendar years to use two annual maximums rather than one.

  • Coordinate with HSA, FSA, and financing

    We accept HSA and FSA payments for qualifying procedures and can walk you through financing options for the patient-responsibility portion of larger cases.

Questions about a specific plan? Call our front office at (707) 838-1400 and we will verify your benefits before your visit.

Insurance FAQ

Frequently Asked Questions About Insurance

Will the office work with my dental insurance?

Dental plans differ a great deal from one employer and carrier to the next, so the honest answer is that it depends on your specific plan. Call our front office at (707) 838-1400 with your plan details and we will verify your benefits and explain exactly how your coverage applies at our practice before you schedule anything.

Do you file my insurance claim for me?

Yes. As a courtesy, our front office submits your claim with the required documentation, narratives, and X-rays, tracks the processing, and applies the payment to your account when the carrier pays. You collect a written estimate of your portion before treatment so there are no surprises.

Will I know my out-of-pocket cost before treatment?

Always. Before any major treatment we give you a written, itemized estimate that shows the fee for each procedure, the anticipated insurance contribution, and your estimated patient responsibility. We do not begin non-emergency treatment without your approval of both the clinical plan and the financial plan.

What if my treatment costs more than my annual maximum?

Most dental plans run on a calendar year and reset their annual maximum every January. If your treatment plan exceeds your remaining benefit, we can often sequence procedures across two calendar years so your benefits apply in both. We can also coordinate with HSA and FSA accounts and discuss financing options for the patient-responsibility portion.

Do you take Denti-Cal or Medi-Cal?

Bonin Dental Care does not currently participate in Denti-Cal or Medi-Cal Dental. For patients without other coverage we offer transparent self-pay pricing and phased treatment plans. Call our front office and we will walk you through your options.

Can I use an HSA or FSA?

Yes. Most dental treatment is eligible for payment through a Health Savings Account or Flexible Spending Account, which lets you use pre-tax dollars toward your care. We provide receipts and itemized documentation for reimbursement from your plan administrator.

Have a question we did not cover? Reach out to our team.

Schedule Your Visit

Not sure what your plan covers ?

Call us with your plan details and our team will verify your benefits, give you a written treatment plan, and translate every line of your benefit summary before treatment begins.

Book an Appointment Call (707) 838-1400