Do You Take My Dental Insurance?
Looking for a trusted dentist in Lake Oswego, Oregon? At Paradigm Dental, we combine advanced dental technology with a warm, welcoming environment to help individuals and families achieve healthy, confident smiles.
Understanding dental insurance can feel confusing. Our team is here to make it simple and help you get the most out of your benefits.
Yes, We Probably Do
Dr. Doug Rust is a contracted provider with many major dental insurance plans, including:
ODS (excluding Care Oregon and OHP)
Delta Dental
PacificSource
Regence
Moda
If you do not see your insurance listed, please give us a call. Our team is happy to double-check your benefits and answer any questions you may have.
Please note that we do not accept the Oregon Health Plan.
Dental Insurance FAQs
Below are some common questions we hear from patients. If you would like help with any of these topics, our front office team is always happy to assist.
You’ll pay your deductible at your first restorative service. There’s usually no deductible for a routine cleaning.
We contract with most major companies. You can check out a comprehensive list of the companies we work with here. If we’re not contracted with your company, you’re responsible for the difference between what the insurance company reimburses and our office fees. Don’t worry, the difference is usually pretty small.
Most companies renew in January, but some of them renew throughout the year. Check with your insurance company for details.
Here’s what most insurance companies cover:
100% regular routine cleanings, exams, X-rays, etc.
80% of basic services (extractions, root canals, fillings, etc.)
50% of major services (crowns, bridges, crown build-ups, dentures)
You should always check with your insurance company to verify your benefits.
No problem, we accept CareCredit so that you can get the care you need today.
Unfortunately, in most circumstances, your insurance company won’t pay anything over your maximum until the year renews. However, we always recommend calling them to be sure.
This depends on the insurance plan that you have. Some plans will deduct regular cleanings from your yearly maximum, other plans do not deduct from your year maximum. We recommend giving us a call so that we can check for you. Oftentimes, regular cleanings are 100% covered by your insurance.
When you’re told you’re getting a “composite downgrade,” it means your insurance will only cover the cost of an amalgam filling (silver filling). You’re responsible to pay the difference for a composite filling (white filling) if you prefer it.
What If I Do Not Have Dental Insurance?
Do not panic. Many patients are surprised to learn that dental insurance is often less comprehensive than expected.
Unlike medical insurance, which typically covers a large percentage of costs after a deductible is met, dental insurance usually covers only a portion of major procedures. Most plans also come with an annual maximum, and once that limit is reached, any additional treatment is paid out of pocket.
Because of this, not having dental insurance does not mean you are missing out as much as you might think.
Affordable Options for Patients Without Insurance
At Paradigm Dental, we welcome patients with and without dental insurance. Our goal is to help you maintain excellent oral health while finding a financial solution that works for you.
We offer:
A 5 percent discount for patients without dental insurance who pay in full on the day of their appointment
Access to a third party financing program for patients who prefer monthly payments
Regular cleanings and preventive care are still one of the best ways to avoid costly dental procedures in the future. Our team is always happy to discuss options and help you plan your care with confidence.