Dental Insurance and Payment Options in Chicago

Make Dentistry More Affordable

Whether you have dental insurance through your employer or you purchased a policy on your own, you can view it as an asset. It may allow you to enjoy low-cost preventive care and reduce the cost of restorative procedures. But how can you make sure that you are getting the most out of your benefits? Our Chicago, IL, team is here to help. Continue reading below to learn more about how we may be able to make dentistry more affordable.

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How Dental Insurance Works

Every dental insurance plan comes with its own set of details and stipulations, so you will need to examine your policy to find out how it applies in various situations. In the meantime, we can give you this overview of the standard coverage provided by most PPO plans:

  • Preventive care: 100% covered.
  • Minor services: Up to 80% covered.
  • Major services: Around 50% covered.
  • Orthodontia: Around 50% covered on some premium plans.
  • Cosmetic treatments: Usually not covered.

Your plan may come with other details as well, such as a deductible, a waiting period before you can receive coverage for certain services, and an annual maximum. All such stipulations can affect your out-of-pocket costs for any given treatment plan.

What Is the Difference Between Dental & Medical Insurance?

Medical insurance has a broad focus on your overall health. However, it does not cover preventive dental services, such as cleanings and exams. It might cover certain major oral procedures, such as some types of oral surgery. Dental insurance, on the other hand, has a strong preventive focus, which is why it provides greater coverage levels for routine checkups, cleanings, and other basic services.

insurance 2 how dental insurance works

In-Network vs. Out-of-Network

Regardless of whether we are in your plan’s network, you may be able to use your insurance in our practice. We want to help you maximize your benefits regardless of network status!

In-Network Coverage

If a practice is “in-network” with your dental insurance plan, it simply means that they have a contract with your insurer that controls prices and promotes a certain level of care. Often, out-of-pocket fees are lower at in-network practices.

Smile 312 in Chicago is proud to be in-network with:

  • Delta Dental
  • BlueCross BlueShield
  • Cigna

Out-of-Network

Many PPO dental plans allow their policyholders to use their benefits at any dental practice, including ones that are out-of-network. Therefore, even if we do not have a contract with your insurer, we still welcome you to find out how we can help you use your policy. Simply call us to provide your insurance information so we can explore how you can get the most out of your plan.

insurance 4 in network vs out of network

Happy Smiles, Healthy Patients!

Our patients’ satisfaction is our top priority. From routine checkups to advanced dental care, we make sure every smile leaves our office healthier and happier.

smile312 difference (2)
  • Flawless.

    Kanu Avatar Kanu
  • Just had my first visit to Smile 312 in the Loop—spotless office, friendly staff, and they’ve got Netflix to keep you entertained. Went in for a cleaning and check-up; dropped about $150 after insurance, which felt fair. They broke down the costs and insurance stuff clearly. Scheduling was easy, and... read more

    rcpanget Obenita Avatar rcpanget O.
  • I can't recommend Dr. Mahler highly enough! He is the best dentist I have ever had, combining exceptional professionalism with deep knowledge and expertise. His team is equally outstanding, making every visit smooth and pleasant. I first came to him after a distressing experience with another dentist, and Dr. Mahler... read more

    Ana Mitchell Avatar Ana M.
  • I walked in to see the dentist for a consultation. I thought I would be turned back due to not having an appointment. Amazingly, the doctor welcomed me, examined me in a professional and friendly way. Frankly, he took the time to check my teeth and explained in details his... read more

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    Saif Alsowaidi Avatar Saif A.
  • Dr Mahler has been my dentist for over 30 years. Simple cleaning this time. He had done a crown and filled cavities. I have brought family and friends to him. Personable and lets you know what needs to be done . I highly recommend him.

    Tony Brown Avatar Tony B.
  • Experience is always top tier! Staff and doctor very friendly

    derrick rose Avatar derrick r.
  • The staff is very friendly and helpful. The care I receive is exceptional and the interest regarding my overall health is comforting and reassuring that I am being listened to not just regarding my dental health.

    Michael Dooley Avatar Michael D.
  • Dr Mahler is very knowledgeable and thoughtful. He will do what’s best for his patient and walk you through the process so you are fully informed. His staff is also very helpful and customer centric. Great practice!

    Amynah Ali Avatar Amynah A.
  • I went in for an appointment to start the process of getting Invisalign, ended up finding out about other more important issues going on in my mouth. Thanks Dr. M. for being honest and candid about the health of my teeth and gums. Health is more important than aesthetics!

    Erica Morgan Avatar Erica M.
  • Dr Mahler is considerate to your concerns and will give you the best course of treatment. He does a great job with my cleaning. Great location for anyone in the Loop.

    Kenny Kwan Avatar Kenny K.
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