Understanding Dental Insurance

As a courtesy to you, our team will help you know your insurance benefits as well as various payment and financing options available to you. We have many patients that use insurance as a way to assist them with getting their dental needs covered. While we are not in network with any insurance providers, we do accept and file all PPO claims as a courtesy, but are not currently under DMO/HMO plans. All plans are different as it is based on how your employer purchased the plan from the insurance company.

We would be happy to complete a complimentary benefit check so that you can better understand your coverage. Feel free to call the office directly or use our online chat button and one of team members will be happy to assist you.

Understanding Co-Payments

Although most insurance plans allow 2 cleanings per year at 100% coverage, they are covered at 100% of their “allowed amount.” An allowed amount is the average amount an insurance company will pay for any services in a certain geographical area. Most times your co-pay will be $20 or less. Some plans will apply your deductible to preventive services. Each time you have a hygiene appointment or an emergency visit with the doctor there is a strong possibility that an examination will be completed and charged. Most insurance companies will allow 2 exams per year no matter the type of exam. Please be mindful of this and how your insurance policy is written. We will do our best to provide you with the most up-to-date information.

Collecting Insurance Information

If you forget to bring your insurance information to your appointment, there are a few ways we can proceed with your appointment: (1) Give us your employer and we might already have that information in the system. All we will need is your SS# or insurance ID number. (2) Call your HR person and have them give you the name of the insurance company, group number and the insurance company’s contact information and we can most likely take it from there. (3) Pay in full for your services and receive a courtesy (savings from 3 to 5 %) and we will file the claim for you so you may be reimbursed directly.

Medicare & Medicaid

At this time we do not accept Medicare or Medicaid insurance plans, however, we do see patients with these types of insurance that choose one of our third-party payment options.

Frequently Asked Questions

We know understanding your dental insurance benefits may be difficult. While every plan is different, these are some of the most frequently asked questions that can help you better understand your plan.

Why aren’t all of my treatment costs covered?

Dental insurance works differently than typical health insurance. Dental insurance is a money benefit applied by an employer to help the employee pay for routine dental treatment. While the plan is based on the amount of the monthly premium cost, most plans are designed to only cover a portion of the total cost.

What if my plan says it covers 100% of exams and certain other procedures?

Insurance carriers allow a certain dollar amount and will agree to apply 100% of that allowed amount to certain procedures. However, if your dental treatment costs more than the allowed amount, there may still be a balance leftover. The best resource in understanding your unique insurance plan is your Employee Benefits Coordinator or Human Resource department where you work.

How does my insurance carrier come up with its allowed payments?

Often you will see allowed payments referred to as UCR payments (usual, customary and reasonable). These are negotiated amounts between the insurance company and your employer based on where you are located and the premium cost your employer is willing to pay. Usual and customary amounts are typically much less than what dentists in your area will charge for a dental procedure. It does not mean that the dentist is charging an unfair rate.

Will there always be a balance left for me to pay?

Most negotiated allowed payments will only cover a portion of your treatment. Even if the treatment is not covered in full, most people benefit from reduced costs after insurance in applied.

Why is there an annual maximum on my benefits?

Annual dental maximums are the limit that an insurance carrier has agreed to cover for you each year. These limits have not changed since the 1960s.

Why does my benefit plan require me to elect a dentist from a list?

Typically, dentists that appear on an insurance carriers list are those who have agreed to a contract with the benefit plan. These dentists are held to certain restrictions and requirements. There is nothing wrong with dentist who do not appear on the list. Some are not comfortable with these restrictions on treatment.

Why does my plan only pay for the least expensive alternative treatment?

Your dentist will recommend the very best treatment option for your needs; however, the insurance plan may only allow coverage for the least expensive treatment method. This is one way a dental plan works to save money.

Why are X-rays, cleanings and gum treatment not covered?

Insurance plans have specific amounts of certain treatments that it will allow for annually. Often x-rays, cleanings, and gum treatments are among those because they are frequently needed.

Why can’t I get treatment done and send in the claim the next month so that insurance will cover it?

State laws regulate dentists from changing the date of service on a claim to accommodate when the insurance plan officially goes into effect.

What should I do if my treatment is covered and I think it should be?

Unfortunately, dentists have no power to make the insurance company pay because the coverage is an agreement between the patient, employer and the insurance company. The best way to contest a claim is to address it with your Employee Benefits Coordinator at your place of work or directly with the insurance carrier.

What makes us different

Extended Hours & Weekends

Emergency Care

We See Your Entire Family

We Accept Most Insurances

5 Star Customer Experience

Quality Office Space

What Our Patients Are Saying!

As a first time patient, I was warmly welcomed and every person I came in contact with was very friendly. I received a thorough cleaning and was very informed of my needs and any procedure that might be performed.

Cindy Covil

I have been a patient of Dr. Acton's for 19 years. You can trust him to listen to you and address your needs and/or fears. He has the most up to date procedures and invest in training all of the staff on both the latest techniques and customer service... I feel safe and well cared for at each of my appointments.

Darlene Germano

Dr. Acton is great at what he does and I highly recommend using Cary Family Dental as your new Dentist! PS - their new building is awesome and they have TVs on the ceiling so you can watch when you are getting cleaned!

Nathan Campbell

I have been with cary family dental for a few years now and always leave happy! I actually am looking forward to going to this dentist. All staff is always friendly and seem to really care about my well being.

Ida Kaeser
Tim HancockTim Hancock
13:48 18 Aug 22
They really make taking care of your teeth a breeze, even for bigger procedures. They also have movies and TV available on the ceiling and other amenities. More importantly though is that they are a fun and friendly group to work with and exceptionally talented at what they do.
Kristen BickfordKristen Bickford
20:53 17 Aug 22
A fabulous place! Not only is the office absolutely gorgeous, but the care and service I received was great! I went in for a new patient visit, was able to get a cleaning and see the dentist! I thought the dentist was very thorough which I appreciated. 10/10 experience and they even gave me a welcome gift. I’d recommend Cary Family Dental to anyone needing a new dentist in the triangle area, they were just fantastic!
OH MY GOSH! I AM BRAND NEW @ CARY FAMILY DENTAL BUT LET ME TELL YOU I LOVE THEM! I CALLED TO SCHEDULE AN APPOINTMENT & THEY GOT ME IN THE NEXT DAY! I WAS DELIGHTED WITH ALL OF THE LOVELY PEOPLE, THEY SMILED AND SPOKE TO ME WITH SUCH POSITIVITY AND I RECEIVED AWARD WINNING CARE I COULD NOT STOP SMILING AND LAUGHING AS EVERYONE IS SO PLEASANT YOU MUST COME HERE I HAVE ALREADY SCHEDULED MY NEXT APPOINTMENT! THANK YOU CASEY AND EVERYONE @ CARY FAMILY DENTAL!
Always a great experience. I had 2 cavities filled today and the dentist and the assistant were wonderful. They cared for my comfort during the procedure.
Maria WilliamsMaria Williams
13:21 06 Aug 22
I have been a patient at Cary Family Dental for over a decade. The Dentists/Team are absolutely wonderful! They are all professional; and, stay on the cutting edge of technology with state of the art procedures. I always feel that they keep my dental health a top priority! I always leave satisfied. I highly recommend them!
C A ChuC A Chu
02:35 01 Jul 22
First impressions last and Cary Family Dental did provide the best impression for a new patient like myself. I’ve been with my previous dentist for years and sadly decided it was time for a change after having experienced less favorable visits the past year and a half. Everything from the time I pulled up to my parking space to the quick tour of the office to my very detailed (and impressive teeth cleaning!) and conversation with Dr. Davis, the process has been seamless, organized, easy peasy and very professional. I’ve also had experienced great dental hygienists in the past but Kim is hands down the BEST I’ve ever had. Very knowledgeable, personable, gentle and efficient and I don’t think I will ever be the same again when it comes to my teeth cleaning! Lol Thank you Dr. Davis and team for taking such great care of me during my recent visit. Most importantly, thank you for listening to my concerns and providing me with the knowledge I needed to make the right decision for my dental health. Looking forward to returning and getting back on track to a great dental health!
Ram KRam K
15:27 08 Jun 22
Very pleased with all the treatment so far and scheduling. It's a nice new clinic on Kildaire farm rd. Liz was AWESOME! She's truly a perfectionist. No one in the past has cleaned that well and throughly. She was super patient & cares for her patients. We will continue to use this for our dental needs. THANK YOU!
Rana JRana J
22:29 19 May 22
This place is NOT like other places where they just want rip you off and take your money. In fact if you are looking for a dentist that is clean, organized and have a wonderful/professional staff! Seriously, look no farther!. I was seeking today for a dentist and I found this place with these many 5 stars reviews . I’m usually very skeptical about dental stuff and who touches my teeth. But I can’t describe how glad that I called this place and I scheduled an appointment SAME DAY for consultation. First the building is gorgeous and CLEAN! Staff are very friendly! They have the best customer service and very efficient. You can reach out to them by phone , email and text. Prompt Responses to any questions or concerns. Tiffany met with me first to address my concerns. She asked me all these important questions. She is an amazing and detailed on explaining things and making me feel very comfortable. And then Dr. Madden came to see me to check my teeth. I can’t tell you how much this doctor is WONDERFUL , CARING and PROFESSIONAL. I highly recommend to go see HER! She has knowledge and she recommends things/treatment that will keep your teeth healthy. Don’t waste your time or money looking somewhere else. This is one of the best dental clinic I ever been. Highly recommended!
Cam SextonCam Sexton
20:10 19 May 22
I would recommend Cary Family Dental to anyone. Went for a routine cleaning. Easy to tell they are a well run office with new equipment, efficient and friendly staff, and affordable. Dr. Davis and Karen were exceptional in the care I received.
G HG H
14:07 12 May 22
Cary Family Dental has an excellent staff. They are all kind from start to finish. They make you comfortable when you get into the client rooms so that you can be totally relaxed while getting a cleaning, x-rays, or any other procedure. The dentists are very patient oriented and make you feel welcome. The dental assistants that have helped me are extremely knowledgeable and will answer any and all questions. Today, I had Karen as my dental technician. She is extremely professional, personable and her technique is flawless and painless. Way to go Karen. Keep up the good work! If you have not been to Cary Family Dental before and need your teeth cleaned, ask for Karen. You will be glad you did!
Angie PettyAngie Petty
19:54 04 May 22
Cary Family Dental is a great office. The staff were courteous, thoughtful, knowledgeable, and kind. The site is beautiful and comfortable. I really appreciated their efforts to support safety and social distancing too. I felt cared for from the moment I arrived till the moment I walked out the door.
Kylie SlusserKylie Slusser
16:58 04 May 22
I could not be happier with my choice to establish care with CFD! I am new to the area, so it was overwhelming to place my trust in a new practice to do cleanings, whitening, and more cosmetic things. My hygienist, Carrie, and Dr. Acton were nothing short of amazing. They explained everything thoroughly and made sure all my questions were answered before I left. I am super excited to continue my care through them and to see my end results!
Taylor TariqTaylor Tariq
14:08 04 May 22
This was the best experience I have ever had at a dentist. The office was clean, inviting, and not intimidating. The dental hygienist was communicative and comforting. I never felt judged for not having been to the dentist in a while and always felt at ease. The dentist was just as thoughtful and comforting. Couldn't recommend this practice enough.
Katie DelgadoKatie Delgado
15:56 28 Apr 22
Ameenah and Dr. Madden are amazing at what they do. I have never been a fan of going to the dentist, but they make the experience easy and comfortable. These ladies are amazing and get 5 stars for being professional lovely people.
Tammy McCollumTammy McCollum
18:14 21 Apr 22
Cary Family Dental is a great place to go to take care of your teeth. I do periodontal cleanings and always come to Karen (my favorite dental hygienist there) each time. She is super friendly, very professional, and provides exceptional service. You are always in good hands with Karen. Overall, the staff here are very gentle and kind. They explain very well the procedures and execute them flawlessly. Thanks again Karen and Cary Family Dental, can't wait to come back!
Ashley RoarkAshley Roark
20:05 14 Apr 22
The visit was awesome! They were kind and efficient in taking care of my teeth. After searching for a dentist office since my recent move down here, I can safely call this place my new dental home!
Shiela SieniShiela Sieni
14:55 06 Apr 22
Thank you so Much Dana and Dr. Madden. I can not tell you enough how much I appreciate you both and the staff. I could not have picked a better Dental Office.
E AdamE Adam
00:04 23 Feb 22
Great dentist. Very pleased with everything.Karen is my hygienist and she makes my visits very welcoming. Everyone here is very pleasant.
Jimmy RiordanJimmy Riordan
22:38 15 Feb 22
One happy camper! Karen is a superstar and actually she’s in very company. The entire staff is very nice and professional. I have never experienced such a comprehensive exam. I don’t have dental insurance so I purchased their plan and it’s a terrific value.Keep smiling.
Darlene GermanoDarlene Germano
21:58 24 Jan 22
Cary Family Dental is an excellent choice for your dental needs. I have been a patient of Dr. Acton's for 19 years. You can trust him to listen to you and address your needs and/or fears. He has the most up to date procedures and invest in training all of the staff on both the latest techniques and customer service. The front office staff is also always courteous and helpful. They handle all the insurance questions efficiently and with a smile. I feel safe and well cared for at each of my appointments.
MyGuyMyGuy
15:13 10 Jan 22
Everyone at this place is amazing. I've moved around quite a bit and this is the only dentist that I've found that made me feel very comfortable each and every time. They take the time to explain everything and all your options. Unfortunately, I have to leave because I moved further away, but I would absolutely highly highly recommend this Dentist to anyone without hesitancy.
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915 Kildaire Farm Rd Cary, NC 27511

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