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For a Dazzling, Healthy Smile,Come to Dowden Family Dentistry  |   Serving the entire Fishers area, including Carmel & Noblesville
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Benefit Types

Indemnity Insurance – These plans pay dental benefits when a patient visits a dentist.  Benefits are available no matter what dentist you go to visit.  Referrals are not necessary when going to a specialist.  Typically benefits pay 100% for preventative care and lesser percentages on other services. The patient is then responsible for any co-pays.  Most plans pay for preventative care two times a year.  This is one thing you should be familiar with for your plan.
PPO Plans -- Similar to the Indemnity plan above with the difference being that you need to go to a dentist that is “in network”.  You should be given a booklet or a website to visit to see who is on your list of participating providers.  We are in network with many PPO plans.  If you are not sure, please ask us.
DHMO Plans – This plan is totally different except that you will also need to go to a dentist that is in network.  Co-pays are made by the patient at each dental visit. Most often the fees paid for dental care are reduced according to the plan fee schedule.  Our office does not receive any additional payment from the plan. We have participated in DHMO plans in the past but currently are not enrolled in any.
Discount Plans – Many patients who do not have coverage available to them through employment will choose a Dental Discount Plan.  Co-pays are made by the patient at each dental visit. Most often the fees paid for dental care are reduced according to the plan fee schedule.   Our office does not receive any additional payment from the plan. We do participate in many discount plans. There is a link on this page to visit that website.
Medicaid – Our office does not participate in Medicaid or Healthy Indiana Plan (HIP).  Hoosier Healthwise also.

How Will I Pay when I go to the Dentist?

Each time you visit us you should be aware of what your expected co-pay will be.  If it is your first visit we will plan for that when making the appointment.  Most times we can only estimate what the treatment and the corresponding co-pay will be for your first visit.  The amount of your co-pay will depend on what type of benefits you may have.  No Insurance is also an option for many people, and we can discuss this.  For future appointments, you will be given the recommended treatment plan, and we will go over payment options.  You will be expected to pay your co-pay at each visit.  Care Credit is also an option for many of our patients with more extensive work.  A link to Care Credit is below if you want to explore that option.


Principal
Liberty
Assurant
Geha
Guardian
Aetna
Anthem
Metlife
Delta Dental
Cigna
Dentemax