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)
  • 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 M.
  • Loved my visit friendly staff and Dr. Mahler is so knowledgeable he listened and asked me great questions about my health

    Neha P.
  • Thanks Dr. Mahler and the dental assistants for providing a professional and excellent service. Update: Dr. Mahler is the best dentist I have had after I visited some other dentists. He is very patient, professional, knowledgeable and trustworthy. He fixed my old crown and recommended another oral surgery expert Dr. Zager... read more

    Song W.
  • Experience is always top tier! Staff and doctor very friendly

    derrick r.
  • OnI of the most comprehensive and thorough dentists with real interest in the patients and best care for them. I would recommend Dr Mahler to others looking for an experienced and caring dentist. Their staff is also amazing.

    Sid P.
  • Dr. Mahler has been my dentist for over 20 years. He is very proactive at planning the next step of treatment. He managed a complex dental implant and bridge situation for me. He also has put plans in place for my daughters and we have been able to avoid orthodontics.

    Jennifer B.
  • I’ve been a happy patient of Smile 312 for 20 years. Seeing Dr. Mahler really changed the trajectory of my oral health. Charming office, personable staff, painless procedures, and efficiently ran - Very minimum wait time, if any! I’m spoiled for sure.

    Ty B.
  • Flawless.

    Kanu
  • When I first arrived at Smile312, my mouth was in complete disarray—I honestly didn’t even know where to begin. That all changed when I met Dr. Mohler. From our very first interaction, he established a sense of trust and professionalism that immediately put me at ease. He took the time... read more

    Kimberly R.
  • Dr. Mahler really took his time with me and made me feel listened to. The consultation I had was a very positive experience.

    Hanna K.
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