Dental Explanation of Benefits at Family First Dental

Understanding dental insurance can feel overwhelming. Words such as deductible, coinsurance, and annual limits can be confusing. This page walks you through how dental billing and EOBs work at CityCare Dental.
This information is helpful for new patients, existing patients reviewing a recent bill, and anyone comparing dental plans. You can also visit our Financial Options page for one-on-one support.
How Dental Insurance Works for City Patients

Dental plans are structured to make preventive care more affordable. Most insurance plans use a tiered coverage system:

Preventive care is commonly paid at 100% by dental plans.

Basic dental work often receives partial coverage of around 70–80%.

Major dental services tend to be covered at approximately 50%.

Many plans follow a 100–80–50 coverage model.

Learn more about our services to better understand your care options.
Key Terms on Your Dental Breakdown of Benefits

Deductible: The amount you pay before insurance starts sharing costs.

Copay / Coinsurance: A flat fee or percentage you pay after the deductible.

Allowed Amount / Negotiated Fee: The maximum fee your insurance recognizes for a service.

Annual Maximum: The yearly cap on insurance benefits.

Non-Covered Services: Treatments excluded by your policy.
Dental Insurance Example for Procedure_Type

This sample is for educational purposes. Your real costs depend on your policy details.
| Item | Example Amount |
| ------------------------------ | -------------------------- |
| Dentist’s standard fee | Base_Fee |
| Plan’s allowed amount | Allowed_Fee |
| Deductible applied | Deductible_Amount |
| Plan payment (Coverage_%%) | Plan_Payment |
| Patient responsibility | Patient_Responsibility |

Your dental Explanation of Benefits will list similar details.
How to Read Your Dental Explanation of Benefits

After your visit, a claim is submitted to your dental insurance.

The insurer reviews the claim and issues an EOB.

The document outlines insurance and patient responsibilities.

This document is informational only.
FAQs About Dental Billing at CityCare Dental

Why is there a difference between the dentist’s charge and the allowed amount?
Insurance plans set contracted fee limits.

Does preventive care really cost nothing?
Preventive visits usually require no payment when in network.

What happens when I reach my annual maximum?
Additional services are paid out of pocket.

Why are some services not covered?
Plans may exclude or limit certain treatments.

Who should I contact if I disagree with my EOB?
We can assist you in contacting your insurance provider.

Options When Dental Bills Are Higher

Dental costs can be higher due to deductibles, annual limits, or non-covered services. Planning ahead can reduce unexpected costs.

Request a pre-treatment estimate for major procedures.

Explore third-party financing if needed.

Plan treatments around your benefit get more info year when appropriate.

Why City Patients Trust Bright Smile Dental

Commitment to clear communication and preventive care.

Easy access for local patients.

Experienced in handling dental insurance claims.

See our patient reviews to learn more.