Dental Insurance in Burlingame, CA

At Burlingame Dental, we believe understanding your dental insurance should be simple. We accept most major PPO plans and work with you to maximize your benefits so you can focus on what matters most—your oral health.
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Dr. Kim and new patient
Dental Insurance

What is Dental Insurance/Dental Benefits?

Dental insurance is a type of health coverage designed to help reduce the cost of preventive, restorative, and sometimes cosmetic dental care. Most plans cover a portion of services like cleanings, exams, fillings, and crowns, making it easier to maintain your smile without unexpected expenses.

Unlike medical insurance, dental benefits typically have annual maximums and coverage percentages that vary by procedure type. Understanding your specific plan helps you make informed decisions about your care and budget throughout the year.

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How Dental Insurance Works

1.

Coverage Verification

Before your dental visit, our team will verify your insurance coverage by checking your plan details.

2.

Treatment Planning

Our benefit coordinator works with you to maximize your dental benefits and minimize your out-of-pocket cost.

3.

Claim Submission

After your dental treatment is complete, we submit a claim to your insurance provider on your behalf. 

4.

Payment Processing

We will tell you upfront what your insurance plan will pay for and offer options for taking care of any remaining out-of-pocket balance.
Patient filling out form at dental office

How PPO Dental Plans Work

PPO (Preferred Provider Organization) plans offer flexibility in choosing your dentist. While you may pay less when visiting an in-network provider, PPO plans also cover a portion of care from out-of-network dentists like Burlingame Dental. This means you can still receive the calm, one-on-one attention Dr. Kim provides while using your insurance benefits. Our team will help you understand your out-of-network coverage and file claims on your behalf.

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Which Treatments are Covered by Dental Insurance?

Most dental plans divide treatments into categories with different coverage levels. Preventive care like cleanings, exams, and X-rays is typically covered at 80-100%. Basic restorative services such as fillings and simple extractions are often covered at 70-80%.

Major procedures including crowns, bridges, and deep cleanings usually receive 50% coverage. Cosmetic treatments like veneers and teeth whitening are rarely covered by insurance. We recommend reviewing your specific plan or asking our team to help verify your benefits before treatment.

Dr. Kim showing patients smile on iTeron in Burlingame, CA
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Dental Insurance FAQs

If you have any questions about dental insurance, we’ve got answers.

What if I’m out of network?

No problem—we welcome out-of-network patients and accept most major PPO plans. Your insurance will still cover a portion of your care, and our team will handle the paperwork and help you maximize your benefits.

Do you accept my dental insurance?

We accept most major PPO dental plans and welcome out-of-network patients. Contact our office with your insurance information and we will verify your coverage before your appointment.

What if my insurance doesn’t cover my full treatment?

We offer affordable payment plans through Cherry to help cover any remaining balance. Our team will provide a clear cost estimate so you can make the best decision for your smile and your budget.