Esteem Dental & Orthodontics
Insurance & Financing Made Simple
At Esteem Dental, we believe everyone deserves access to quality care. That’s why we accept most major insurance plans and offer flexible financing options tailored to your needs. Whether you’re planning for routine care or a larger treatment, our team is here to help you find a solution that fits your budget. We’ll work with you every step of the way—because your smile and peace of mind matter to us.
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Call us today for an Invisalign in Lake Nona ❯
Call us today for an Invisalign in Lake Nona ❯
Medically Reviewed by Esteem Dental And Orthodontic Team on October 22, 2025
United Healthcare PPO dental plans provide network flexibility and comprehensive coverage options for individuals and families seeking quality dental care. These plans allow you to visit in-network providers for maximum savings while maintaining the option to see out-of-network dentists at reduced benefit levels.
Esteem Dental accepts United Healthcare PPO insurance at our Winter Garden and Lake Nona locations, offering multi-specialty dental services for patients of all ages. Our team works directly with your insurance provider to streamline the claims process and help you understand your coverage benefits.
United Healthcare PPO Plan Structure
Most United Healthcare PPO dental plans operate on a tiered benefit system with varying coverage percentages based on treatment categories. Plans typically include annual deductibles, maximum benefit limits, and specific coverage percentages for different service types.
Network providers have contracted rates with United Healthcare, resulting in lower costs for patients compared to out-of-network care. Your plan identification card contains important information, including your group number, member ID, and customer service contact details needed for benefit verification.
Coverage Categories and Typical Benefits
Understanding how your United Healthcare PPO plan categorizes dental services helps you plan treatments and budget for care throughout the year.
Preventive Care
Routine cleanings, oral exams, fluoride treatments, and diagnostic X-rays usually receive 100% coverage with no deductible requirements. Most plans allow two preventive visits per calendar year at full coverage.
Basic Procedures
Fillings, simple extractions, periodontal maintenance, and emergency care typically receive 70-80% coverage after you have met your annual deductible. Plaque constantly forms on teeth, and when you eat or drink anything with sugar, the bacteria present in plaque creates acids that attack your enamel and can form cavities over time.
Major Procedures
Crowns, bridges, dentures, root canals, and oral surgery generally receive 50% coverage with deductible requirements. Some plans impose waiting periods ranging from six months to two years for major procedure coverage.
Orthodontic Treatment
Coverage varies significantly by plan, with some offering 50% coverage up to a lifetime maximum benefit. Age restrictions may apply, with some plans covering only children under 19.
Navigating Your Benefits Effectively
Review your Summary of Benefits and Coverage document annually to understand changes in your plan structure, covered services, and cost-sharing requirements. Annual maximums typically reset on January 1st, making early-year scheduling advantageous for major treatments.
Prior authorization requirements may apply for certain procedures, particularly those exceeding specific dollar amounts. Contact United Healthcare directly or ask our office to verify coverage before scheduling extensive treatment to avoid unexpected costs.
Missing deadlines for claims submission can result in benefit forfeiture, so ensure your dental office files claims promptly. Most United Healthcare PPO plans require claims submission within 12 months of service completion.
Insurance Coordination and Treatment Planning
Our administrative team performs benefit verification before your appointment to determine your exact coverage levels, remaining annual maximum, and any applicable waiting periods. This process helps eliminate billing surprises and allows for accurate treatment cost estimates.
We file insurance claims electronically for faster processing and provide detailed treatment estimates showing your expected insurance coverage and out-of-pocket costs. Payment options include Care Credit and Lending Club financing for amounts not covered by insurance.
Pre-treatment estimates help you make informed decisions about timing and payment for recommended procedures. Our team can often structure treatment plans to maximize your insurance benefits across multiple benefit years when appropriate.
Esteem Dental And Orthodontic Team
Our team is composed of highly skilled dentists, hygienists, dental assistants, and administrative staff, each committed to ensuring that every visit is comfortable, effective, and rewarding. Led by our experienced dental practitioners, we utilize the latest technologies and techniques to deliver top-quality care and transformative results.
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The Esteem Dental team is honored to serve Lake Nona and all of South Orlando with exceptional dental care. Let us know how our dental team can serve you and your family. We can’t wait to meet you!
