Dental Insurance

Your dental insurance plan is a form of compensation based on a contract between you, your employer and the insurance company. . You can expect the carrier (insurance company) to pay for a portion of our fee. That portion is determined by the contract between your employer and the insurance company. The higher the premium paid by your company, the more generous the benefits. We will do our best to familiarize ourselves with the details of your coverage, but as each individual plan is unique, it is ultimately your responsibility to understand your specific benefits.

Although we are not a party to the contractual arrangement with your insurance company, we do want to help you receive the maximum reimbursement to which you are entitled. As a convenience to you we will help you process your insurance claims in order for you to receive this maximum benefit. We will also gladly provide dental x-rays and a written diagnostic report should your insurance company have any questions about the services provided.

At all times, you can be confident that we will always provide you with our best services without regard to the limitations imposed by your insurance coverage. To do otherwise would violate our contract with you.

Our fees are generally considered to fall within the acceptable range by most insurance companies, and therefore are covered up to the maximum allowance and determined by each carrier. This applies only to companies that pay a percentage (such as 50% or 80%) of “U.C.R.”. “U.C.R.” is defined as usual, customary and reasonable. This statement does not apply to companies that reimburse based on an arbitrary “Fee Schedule”, which bears no relationship to the current standard and cost of care in this area. 3) Not all services are covered benefits with the insurance. Some insurance companies arbitrarily select certain services they will NOT cover. It is ultimately the patient’s obligation to know and understand his/her insurance policy.

We must emphasize that, as dental care providers, our relationship is with you, the responsible party, not your insurance company. While the filing of insurance claims is a courtesy that we extend to our patients, all charges are your responsibility from the date the services are rendered. We realize that temporary financial problems may affect timely payment of your account. If such problems do arise, we encourage you to contact us promptly for assistance in the management of your account.

We will gladly discuss your proposal treatments at anytime and answer any questions relation to your insurance. If you have any questions about the above information or any questions PLEASE do not hesitate to ask us. We are here to help you!

In our office, we offer high quality care and payment options that work for all of our patients. Below you will find a list of insurance and payment plans that we accept. If you don’t see your preferred method on our list, please call our office at Cullimore Family Dentistry Phone Number 480-985-2977 to find out what other options may be available to you. 

Dental insurance plans we work with:

  • Aetna
  • Ameritas
  • Blue Cross Blue Shield
  • Cigna
  • Delta Dental
  • DHA/Assurant
  • Guardian
  • Humana
  • Metlife
  • TDA
  • United Concordia
  • United Healthcare

Payment options:

Other options:

  • CareCredit: Apply online ( or in our office.

Please note: Payment is due at the time of service.

As a courtesy to you, we will bill your insurance company and track claims. Please keep us informed of any changes to your insurance plan. You are responsible for the fees charged by our office, no matter what your insurance coverage may be. Most insurance companies should respond to the claim within four to six weeks. Any remaining cost is your responsibility.

We are here to help! Please call for more information about financing your oral health needs in our office!