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FAQ About Dental Insurance


Frequently Asked Questions About Dental Insurance Answered Here

1. When do I pay my deductible?

Your deductible is paid at the first restorative service. There is usually no deductible for a routine cleaning appointment.

2. Do you contract with my dental insurance company?

Lone Peak Dental contracts with most major companies. See a list of the major dental insurance companies we accept here. If we are not contracted with your dental insurance company, or you do not have our in-house dental plan (Peak Plan Membership), then you are responsible for the difference between what the insurance company reimburses and our office fees. The difference is usually minimal.

3. When does my dental insurance renew?

Most insurances renew in January, but some renew on a different month. Check with your insurance company for their annual renewal date, and to ensure you don't miss out on any remaining benefits you may have left.

4. How much does dental insurance usually cover? 

Many insurance companies cover 100% of regular routine cleaning, exams, and x-rays; 80% coverage on basic services, such as extractions, root canals, fillings, etc., and 50% coverage on major services, such as crowns, bridges, and dentures. 

The best practice is to check your insurance policy to verify your benefits before treatment.

5. I have limited income and can't afford much. Are there ways for me to make payments?

Your dental health and wellbeing is important to us. We offer multiple solutions for financing options.

6. What happens when I reach my calendar year maximum and still need treatment? 

If you get any more treatment before your insurance calendar year renews, you will be responsible for the cost of that treatment. Your dental insurance company will not pay any more until your insurance renews. You will only be charged at the rates we have negotiated with your insurance. 

7. Is the cost of my cleaning deducted from my calendar year maximum?

Routine cleanings are usually covered at 100%, but that 100% is still deducted out of your calendar year maximum. 

8. What if I don't have insurance? 

We recognize that dental insurance isn't always an option. We would be happy to discuss any financial questions and concerns you have before scheduling an appointment. Together we can come up with a solution that is best for you and gets you the dental services you need to maintain a healthy smile. 


Our Peak Plan is an excellent solution to get affordable dental care for you and your family without the hassles of insurance. There are no deductibles, no maximums, and it is available immediately upon signing up. 

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