Dental Insurance  – Bellevue, Wa

Your Dental Insurance is Welcomed Here!

Navigating the in’s and out’s of dental insurance can often be complicated. What exactly is covered and not covered by your benefits? What does it mean to be “in-network” or “out of network?” At Ideal Smiles Dental Care, we take pride in being able to answer these questions and many more. Our dental office is in-network with many major PPO plans and will accept any coverage that allows the patient to choose their own dentist.

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How Does Dental Insurance Work?

Many people believe that dental insurance is virtually identical to traditional medical insurance, but this isn’t true. Medical insurance is meant to cover the cost of BIG events, such as a serious injury or illness, while dental insurance emphasizes the value of prevention by fully covering routine dental checkups and cleanings and providing partial benefits for more involved care. This approach is designed to keep serious dental problems to a minimum and help patient save money in the long run.

All plans come with a yearly maximum, which usually ranges from $1,000 to $2,000 – this is how much your provider will pay out before you become responsible for all costs. But what exactly can this money be used for?

Smiling Professional Female

What Your Dental Insurance Plan (Usually) Covers

It’s important to keep in mind that every dental insurance plan is different, so please confirm your available benefits with the provider before committing to a treatment plan. Our team can also help with verifying coverage on your behalf! In most cases, though, patients can expect the following:

  • Routine preventive and diagnostic care are typically covered at 100%.

  • Basic restorative procedures like fillings, extractions, and root canals have a majority (usually 70-80%) of their cost covered.

  • More extensive restorative procedures (such as dentures, dental bridges, and crowns) have around 50% of their cost covered.

Please keep in mind that cosmetic/elective procedures are virtually never eligible for dental insurance benefits. Also, there may a deductible that you have to pay before your benefits kick in, although this monetary amount is often waived for preventive care.

Dentist Chair

We Offer In-Network & Out-Of-Network Savings

An “in-network” dentist has agreed to charge negotiated rates for certain services, and most patients can expect to pay less as a result.

What if your dental insurance isn’t on the list, though? That isn’t a problem at Ideal Smiles Dental Care. As long as your dental insurance allows you to select any dentist, you can still become our patient and take advantage of your available benefits through claims that our team members will file. While she will technically be an “out of network” dentist, it’s important to remember that in many cases, the difference between “in-network” and “out of network” fees are minor.

Any further questions or concerns? Don’t hesitate to call us. We can’t wait to help you smile!

Man Using Smart Tablet

Premera Blue Cross

Helping You Save on Top-Tier Smile Care


Our dentists and team members recognize that many families are concerned about the cost of dental care. That is why we welcome a broad range of insurance policies from many providers. We are even in-network with Premera Blue Cross, which provides benefits for many local Microsoft employees. Whether you purchased your policy on your own or have it through work, we encourage you to use it to the full. It can not only help you prevent oral health problems, but it can also help you restore your smile’s well-being if your teeth ever need some extra TLC.

The Ideal Smiles team are experts at handling dental insurance, and we are eager to help you maximize your benefits.

Microsoft Employees Welcome

Many Microsoft employees both live and work in Bellevue. We welcome you and your insurance! We are very close to many of the Microsoft buildings. We are conveniently located on Bel-Red Road, within one mile of the Microsoft campus. In fact, we are so close that you might even have time to stop by during your lunch break for a quick appointment!

When you schedule your first visit here, simply let us know which dental plan you have, and we’ll make the process of using your Premera Blue Cross insurance a breeze. Your HR person at Microsoft can also help you find answers to any questions you might have about your coverage.

Female Developers

We Are an In-Network Provider
With the Following Insurances