Billing & Insurance, Boise, ID

Dental Insurance & Payment Options

We accept most major dental insurance plans, help out-of-network patients file claims, and offer CareCredit financing for larger treatment. Honest, transparent pricing, we verify your specific benefits before treatment so there are no billing surprises. For uninsured patients, our in-house fee schedule is designed to keep routine care accessible. Gentle as a Lamb.

Schedule Appointment Call (208) 344-6300

Why patients trust our billing

In-Network PPO

We participate in most major PPO networks including Delta Dental Premier and PPO, MetLife, Cigna, Aetna, Blue Cross Blue Shield of Idaho, and more, so your out-of-pocket costs stay as low as your plan allows.

Out-of-Network Filing

Even if we’re out-of-network with your specific plan, we file claims on your behalf and work to maximize your reimbursement. You still get quality care, we handle the paperwork.

CareCredit Financing

For treatment beyond what insurance covers, CareCredit offers 0% interest promotional plans for 6–24 months. Quick online approval, usable at thousands of healthcare providers nationwide.

Transparent Pricing

We verify your specific benefits before treatment and provide written pre-treatment estimates. No surprise bills three months later, you know what you owe before we begin.

Insurance Plans We Accept

We accept most major dental insurance plans, both as in-network and out-of-network providers. Even if we’re out-of-network with your specific plan, we help file claims and work to maximize your benefits.

Delta Dental

Premier & PPO

MetLife

In-network provider

Cigna

In-network provider

Aetna

In-network provider

Blue Cross Blue Shield of Idaho

Regence & Pacificsource

United Healthcare

In-network provider

Guardian

In-network provider

Humana

In-network provider

Principal

In-network provider

Other Major Carriers

Call to verify your plan

Before your first visit, we verify your specific benefits, deductible status, annual maximum, coverage percentages for preventive / basic / major services, waiting periods, and any plan-specific exclusions. That lets us give you a realistic out-of-pocket estimate before any treatment starts, rather than a surprise bill afterward.

How Dental Insurance Typically Covers Common Procedures

Service	Typical Coverage
Preventive (cleanings, exams, X-rays, fluoride, sealants for kids)	100%
Basic restorative (fillings, simple extractions, basic periodontal work)	70–80%
Major restorative (crowns, bridges, root canals, oral surgery)	50%
Orthodontics (Invisalign, braces)	Lifetime maximum $1,000–$3,000, if covered
Implants	Varies widely, some plans 50%, some not covered
Cosmetic (whitening, elective veneers)	Rarely covered
Sleep apnea oral appliance	Medical insurance, not dental, often covered for diagnosed OSA

Actual coverage varies by plan. Annual maximums ($1,000–$2,000 is typical) cap what any plan pays per calendar year. Deductibles ($50–$150 per person annually) reset each year. Waiting periods on newer plans may exclude major services during the first 6–12 months of enrollment.

Payment Options

Cash, Check & Credit Cards

We accept cash, checks, Visa, Mastercard, Discover, and American Express for any amount.

FSA / HSA Accounts

Dental care is a qualified medical expense under most Flexible Spending Account (FSA) and Health Savings Account (HSA) plans. Use your FSA or HSA card for any of our services.

CareCredit Financing

0% interest promotional plans on qualifying purchases, typically 6, 12, 18, or 24 months. Extended payment plans at reduced interest rates for larger treatment like dental implants, All-on-4, and full smile makeovers. Quick online approval, decision in minutes. Apply for CareCredit →

In-Office Payment Plans

For larger treatment we can sometimes structure payment across multiple visits, especially for plans that span several months.

Pre-Treatment Estimates

We provide written estimates before treatment starts so you can plan financially. No surprises.

CareCredit application and approval happens independent of us, we don’t see your credit score. Once approved, you present the CareCredit card for treatment; we handle the billing to CareCredit directly.

For Uninsured Patients

About a third of adult Americans don’t have dental insurance, and we see many of those patients. Without insurance, the priority is usually:

Don’t Skip Preventive Care

Cleanings and exams every 6 months catch problems when they’re small and cheap. Skipping them is the single most expensive dental decision most uninsured patients make.

Use CareCredit Strategically

For necessary larger treatment, CareCredit’s 0%-interest promotional plans spread cost across 6–24 months without finance charges, as long as you pay within the term.

Ask About Pre-Treatment Estimates

We provide written estimates before any significant treatment so you can budget and compare options.

Don’t Let Cost Delay Emergency Care

A small cavity that becomes a root canal plus crown can cost 5–10x more than if it had been caught at a cleaning. If you have acute pain, call us, we’ll work out a plan.

How Pre-Treatment Verification Works

For any treatment beyond routine preventive care, we verify your specific insurance coverage before you commit. The process:

At Your Exam

We identify what treatment is recommended and send your insurance company a pre-authorization request for those specific procedures.

Within 5–10 Business Days

The insurance company responds with exactly what they’ll cover, at what percentage, and what your out-of-pocket cost will be after their contribution.

We Share the Numbers

You decide whether to move forward, pursue a different option, or postpone.

If You Proceed

We bill insurance directly. You pay only the verified out-of-pocket amount at the visit or per a structured payment plan.

This process eliminates the “surprise bill three months later” problem that’s common in healthcare. We’d rather spend a few extra days getting pre-authorization than send a patient a bill they didn’t expect.

Frequently Asked Questions

Does Lamb Family Dental accept my insurance?

We accept most major dental insurance plans including Delta Dental, MetLife, Cigna, Aetna, Blue Cross Blue Shield of Idaho (Regence and Pacificsource), United Healthcare, Guardian, Humana, and Principal. Even if we’re out-of-network with your specific plan, we help file claims and work to maximize your benefits. Call (208) 344-6300 to verify your specific plan.

What if I don’t have dental insurance?

We see uninsured patients regularly. CareCredit financing with 0%-interest promotional plans makes larger treatment manageable. Pre-treatment estimates let you plan financially. Don’t skip preventive care to save money, cleanings and exams every 6 months prevent the expensive problems that uninsured patients most need to avoid.

Do you offer financing for expensive treatments?

Yes. We accept CareCredit, which offers 0% interest plans for 6 to 24 months on qualifying purchases, plus extended plans at reduced interest rates for larger treatment. For multi-visit plans like dental implants, All-on-4, or smile makeovers, we can structure payments across the treatment timeline. Ask about financing during your consultation.

Do you accept HSA or FSA payments?

Yes. Dental care is a qualified medical expense under most Flexible Spending Account (FSA) and Health Savings Account (HSA) plans. You can use your FSA or HSA card for any of our services. Cosmetic-only procedures (whitening, elective veneers) are typically not FSA/HSA-eligible, check with your plan administrator.

Will I get a bill after treatment I didn’t expect?

We verify your insurance benefits before treatment and provide written pre-treatment estimates for anything beyond routine preventive care. The amount you pay at the visit is the verified out-of-pocket amount; surprise bills three months later don’t happen at our practice. If insurance reimburses less than expected, we discuss it with you rather than just sending a bill.

Questions About Insurance or Financing?

Call (208) 344-6300 and ask for the front office. We’ll verify your benefits, explain coverage, and walk through financing options. No commitment required.

Call (208) 344-6300 Schedule Online

Learn More About Your Insurance Plan

Select your insurance carrier below for detailed coverage information, cost estimates, and how to verify your benefits.

Not sure which plan you have? Call (208) 344-6300 and we will look it up for you.