Understanding your dental insurance options shouldn’t be complicated.
Many patients feel uncertain about how their dental insurance works, especially when it comes to understanding in-network versus out-of-network benefits. At Newport Beach Dental Center, Dr. Laura Sharbash and her team are committed to helping you navigate your insurance coverage while ensuring you receive the quality care you deserve without unnecessary limitations or restrictions.
Newport Beach Dental Center operates as an out-of-network provider for most PPO insurance plans. This means we process your PPO insurance claims on your behalf and submit them directly to your insurance company for reimbursement. While we handle the billing paperwork for you, you’ll receive reimbursement directly from your insurance carrier based on your out-of-network benefits.
We currently maintain an in-network relationship with Delta Dental. However, our philosophy prioritizes your clinical needs over insurance limitations, giving you and Dr. Sharbash the freedom to choose the best treatment options without being constrained by insurance restrictions on materials or procedures.
Important note: We do not accept HMO insurance plans or Medi-Cal at this time. If you have questions about whether your specific insurance plan is compatible with our practice, our team is happy to discuss your coverage options during your consultation.
Many patients receive letters from their insurance companies stating that their provider is “no longer in network,” which can be alarming. It’s important to understand that being out-of-network doesn’t mean you’re losing your dental benefits. You still have coverage—it simply works differently than in-network care.
When you visit an out-of-network provider like Newport Beach Dental Center, you typically have more freedom in your treatment choices. Your insurance company won’t restrict you to specific materials or procedures based on their preferred fee schedules. For example, if you want a porcelain crown rather than a less aesthetic alternative, you won’t face coverage denials simply because you chose higher-quality materials.
As a fee-for-service practice that processes PPO insurance, we provide treatment based on what’s clinically best for you, not what’s dictated by insurance company guidelines. Many patients find this approach gives them greater control over their dental health decisions while still utilizing their insurance benefits for reimbursement.
Navigating dental insurance can feel overwhelming, especially when terms like “out-of-network” and “PPO” enter the conversation. Here are answers to the most common questions our patients ask about insurance coverage and how we work with your benefits.
When you receive treatment at our office, we’ll process and submit your PPO insurance claim directly to your insurance company on your behalf. Your insurance company will then reimburse you based on your out-of-network benefits, typically within a few weeks. Payment is required at the time of service, and you’ll receive reimbursement directly from your insurance carrier. Our team can provide detailed cost estimates and help you understand your expected out-of-pocket expenses before any treatment begins.
Choosing an out-of-network provider like Dr. Sharbash means you’re prioritizing quality care and clinical expertise over insurance company fee schedules. Out-of-network providers aren’t limited by insurance restrictions on treatment materials, timing, or procedures. This means you and your dentist can make decisions based purely on what’s best for your oral health, not on what an insurance company deems “allowable.” Many patients find the flexibility and quality of care worth the slightly different insurance process.
Yes, we understand that dental care is an important investment in your health. We offer flexible financing options through CareCredit and Cherry to help make your treatment more affordable. These financing programs allow you to spread the cost of your dental care over manageable monthly payments. Additionally, we’re developing an in-house membership plan that will provide comprehensive preventive care and discounts on additional services for patients who prefer an alternative to traditional insurance. Ask our team about which financing option might work best for your situation.
