What is the Difference Between In-Network and Out-of-Network?

Dr. Janice Heard's practice is an in-network provider for many insurance plans. This means we have signed a contract with those specific insurance companies saying we agree to charge you a lower contracted rate than our standard office fees. Another benefit of seeing an in-network provider is that even if your insurance plan doesn't cover a certain procedure (i.e. crowns, implants, etc.) we will still submit it to your insurance company so you still get a discounted rate off your out-of-pocket portion.

The quickest way to find out if your provider is in- or out-of-network is to call your insurance company or HR department. You might have Delta Dental Insurance which our office accepts as in-network, but as there are literally thousands of different plans just under Delta Dental alone, our staff cannot guarantee your specific coverage.  When you call your insurance company, they will not only be able to tell you which offices are in-network, but they can also tell you an entire breakdown of your benefits, what your yearly maximum is, if you have an annual deductible and more.

Insurance plans with which we are currently In-Network:
Blue Cross Blue Shield
Met Life
Delta Dental
Ameritas
Principal
DenteMax 
Cigna
Sun Life
Security Life 
United Healthcare
And many more plans...