Unum dental insurance can open doors to affordable care, but only if you can find a dentist who works with your plan. We accept Unum and handle insurance submissions for our patients, making it simpler to receive the treatments you need without unexpected costs derailing your plans.
Naylor Family Dental and Implant Center works with multiple PPO providers throughout Las Vegas to provide patients with more care options. Our front desk team processes claims and communicates with your insurance company so you can focus on your oral health instead of paperwork. Whether you’re scheduling a routine cleaning or exploring options to replace missing teeth, we’ll verify your Unum benefits and provide a clear cost breakdown before treatment begins.
Understanding Your Unum Dental Benefits
Most Unum policies divide coverage into three categories. Preventive services such as exams and cleanings typically receive full or near-full coverage, making regular dental visits affordable. Basic procedures, such as fillings, usually fall into a middle tier with partial reimbursement, while major treatments like crowns or implant-retained dentures often have lower coverage percentages.
Your specific plan may include annual maximums, which cap the total amount your insurance pays per year. Most policies also require you to meet a deductible before benefits apply to certain services. Some plans impose waiting periods for major procedures, so new enrollees might need to wait several months before accessing full coverage. Reviewing your policy details helps avoid surprises when planning treatment.
Navigating In-Network and Out-of-Network Care
As a Unum provider, we submit claims regardless of whether we’re in-network or out-of-network with your specific plan. In-network status often means lower out-of-pocket costs for you, while out-of-network providers may require you to cover a larger portion of the bill. Benefits vary by policy, so we always verify your exact coverage before scheduling treatment.
Being out-of-network doesn’t mean you pay everything upfront. We still file claims on your behalf, and your insurance reimburses you according to their out-of-network rates. Many patients find this arrangement works well, particularly when they value continuity of care with a trusted provider over switching to an unfamiliar office just to stay in-network.
What Happens During Your First Dental Visit?
Bring your Unum insurance card and any policy documents when you come in. Our team verifies coverage and contacts your insurance company to confirm what’s included under your plan. We’ll provide an estimate for any recommended treatments, showing both what insurance should cover and what you’ll owe. This transparency lets you make informed decisions about proceeding with care.
In most cases, dentists recommend getting exams and cleaning twice yearly. Regular preventive care catches problems early, often saving money and discomfort compared to addressing advanced issues later. Many Unum plans cover these visits with minimal or no cost-sharing, making prevention both clinically and financially sensible.
Additional Payment Options We Offer
Insurance rarely covers 100% of the cost of treatment, so we offer financing options to help manage the remaining costs. CareCredit, Proceed Finance, and Cherry are healthcare credit options we accept, each offering payment plans with different terms to fit various budgets.
We also offer an in-house membership plan that works alongside insurance or serves as an alternative for those without coverage. Members receive preventive care and discounts on additional treatments. Some patients combine their Unum benefits with our membership to maximize savings throughout the year.
Services Available to Unum Patients
Our practice emphasizes cosmetic dentistry and dental implants while providing comprehensive restorative and preventive care. From routine cleanings to complex full-mouth reconstructions, we tailor treatment plans to your clinical needs and financial situation.
For patients missing teeth, we present multiple restoration options at different price points. Dr. Naylor often reminds patients that “dentures are for smiling, not eating,” which reflects our preference for implant-supported solutions that restore both appearance and function. Whether you need one tooth replaced or are considering full-arch reconstruction, we’ll outline several approaches so you can choose the option that aligns with your priorities.
Making the Most of Your Dental Benefits
Understanding how to use insurance effectively can significantly reduce your costs. Annual maximums reset each calendar year, so unused benefits don’t roll over. If you’re approaching your limit late in the year, scheduling larger procedures before December 31 might make financial sense.
For major treatments, timing procedures across two benefit years can spread costs and maximize coverage. Our team can help you develop a strategic treatment timeline if you’re planning extensive work. We’ll coordinate with your insurance company to ensure the claims process goes smoothly, and you receive the maximum allowable benefits.
Schedule Your Appointment at Naylor Family Dental and Implant Center
Finding a dentist who accepts Unum shouldn’t be complicated, and working with your insurance shouldn’t add stress to receiving care. Our Las Vegas team simplifies the insurance process and helps you access the treatments you need. We’ll verify your coverage, answer questions about your policy, and provide clear cost estimates before any work begins.
Ready to get started? Contact us to schedule your visit and learn more about using your Unum benefits at our practice.
Insurance Friendly Office
We believe in making access to dental care seamless and simple. That’s why we’ll submit claims on your behalf as a courtesy, regardless of who your PPO provider is. We’re also in network with Aetna PPO, AlwaysCare, Cigna PPO and DPPO, Delta PPO, Guardian, UFCW, and Unium. If you have questions about your benefits, get in touch with us today to speak with one of our friendly insurance experts.
- Aetna PPO
- Always Care
- Cigna PPO
- Delta PPO
- Guardian
- UFCW
- Unum
$300 New Patient Special
Receive a thorough cleaning, comprehensive exam, and x-rays, all for one affordable price!
Cleaning
Comprehensive Exam
X-Rays
Flexible Financing Options
Can’t pay for your treatment all at once? No problem! We accept financing options through CareCredit, so you can pay at your own pace and get the treatment you need, when you need it.
- CareCredit
- Proceed Finance
$30 per month
Save on the care you need by joining our in-house membership plan!
- 2 Professional Cleanings
- 2 Regular Exams and Screenings
- Routine X-Rays
- 1 Panoramic X-Ray
- 1 Emergency X-Ray
- 1 Emergency Exam
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