(425) 348-8484Harbour Pointe Family Dentistry Insurance Information
Understanding your dental insurance coverage is easier than you might think.
Dental Insurance in Mukilteo Does Not Have to Be Complicated
One of the biggest reasons people put off dental care is uncertainty about what their insurance actually covers. Questions about in-network status, annual maximums, deductibles, and what counts as a covered procedure can make even scheduling a routine cleaning feel more stressful than it needs to be. That hesitation is completely understandable, but it does not have to stand between you and the care you need. At Harbour Pointe Family Dentistry, we have spent more than 35 years helping patients in Mukilteo, Everett, Mill Creek, Edmonds, and across the Puget Sound area get the most out of their dental benefits. As part of your new patient experience, our team reviews your coverage with you before your appointment so there are no surprises when you sit down in the chair.
We Are an In-Network Preferred Provider for Select PPO Plans
Being in-network means our practice has an established relationship with your insurance carrier, with pre-negotiated fees that typically result in lower out-of-pocket costs for you. Dr. Kris Johnson and our team are in-network preferred providers for the following plans:
- Delta Dental PPO
- Blue Cross Blue Shield
- Regence Dental
- Primera
We also accept HSA and FSA payments, allowing patients to apply pre-tax dollars directly toward their dental care. If you are a Boeing employee or family member, our office has been a trusted Delta Dental preferred provider in the Mukilteo area for more than 20 years. Visit our dedicated Boeing dental plan page to learn more about how we serve Boeing employees and their families.
Every plan is a little different, and our front office team is glad to verify your specific benefits before you come in.
Understanding how your plan works gives you more control over the dental care you receive and what you pay for it. Most PPO plans cover preventive services such as cleanings and exams at or near 100%, while basic restorative treatments and major procedures are covered at a lower percentage after your annual deductible is met. When you visit an in-network provider, those contracted rates reduce your share of the cost compared to what you would pay with an out-of-network dentist. Preventive visits, in particular, are one of the most cost-effective ways to use your benefits each year, and they are also the best way to catch small problems before they become larger ones.
We Handle the Details So You Do Not Have To
Our team verifies your insurance benefits prior to your appointment. That means you will know your estimated coverage, any anticipated out-of-pocket costs, and whether pre-authorization is needed for a planned procedure before you arrive. We submit claims on your behalf and are available to answer billing questions along the way. Dr. Kris Johnson and our team believe you should never have to guess what your dental care will cost, and we work hard to make sure that you do not have to.
For patients whose treatment costs exceed their annual insurance maximum, or for procedures that are not fully covered by their plan, we accept CareCredit, a healthcare financing option that lets patients spread payments over time. Our team is happy to explain how it works and help you determine whether it is a good fit for your needs. You can also learn more about the care and approach that has kept patients coming back to our practice for decades by visiting our Why Choose Us page.
5-Star Treatment
- Andre H, 5-Star Google Review
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Do you accept my dental insurance?
We are in-network preferred providers for Delta Dental PPO, Blue Cross Blue Shield, Regence Dental, and Primera. If your specific plan is not listed, we still encourage you to reach out. Our team will verify your benefits and let you know how we may be able to work with your coverage.
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What does it mean to see an in-network dentist?
When a dental practice is in-network with your plan, it has agreed to a set fee schedule with your insurance carrier. That agreement typically means you pay less out-of-pocket than you would with an out-of-network provider. Our front office verifies your plan details before your visit so you come in with a clear picture of what is covered and what your financial responsibility will be. We want the process to feel straightforward from the first call.
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What if my dental treatment costs more than my annual insurance maximum?
Most dental plans include an annual benefit maximum, which is the highest dollar amount your plan will pay within a benefit year. When treatment costs go beyond that amount, patients are responsible for the remaining balance. We accept CareCredit to help make those higher costs more manageable over time. To find out what options are available for your situation, contact our office and our team will be happy to walk you through it.
