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Dental Insurance – Arnold, Missouri

Affordable Dentistry to Keep You Smiling

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At JL Dental, we want high quality dentistry services to fit our patients’ budgets. That’s why we are dedicated to preventive dental care. Preventive dentistry services significantly decrease patients’ needs for more advanced dentistry services. They also give our patients the opportunity to make the most of their dental insurance benefits since these preventive services receive the greatest percentage of coverage. If you have dental benefits, our Arnold, Missouri dental team will be happy to help you maximize coverage and minimize out of pocket treatment costs. Our expert dentistry team is happy to process and file dental insurance claims for most major PPO benefit plans. If you have questions about your insurance coverage or want schedule an appointment with us, call the JL Dental team today. We’ll be happy to go over your dental benefit plans, answer coverage questions, apply for coverage preapproval, and otherwise partner with you to make the most of your insurance policy.

How Dental Insurance Works

Not all dental insurance plans work in the same way, but typically, an insurer offers patients coverage for a percentage of the costs of dental treatments in exchange for the payment of a monthly premium. This coverage is typically only available up to a treatment maximum coverage amount and annual plan maximum. In most cases, patients receive some combination of the following benefits:

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What is the Difference Between Dental & Medical Insurance?

There are a number of differences between medical and dental insurance. The most significant difference in these plans is the covered services. Medical plans offer the greatest amount of coverage for emergencies and chronic illnesses. Dental benefit plans emphasize preventive care, offering almost complete coverage for the costs of services geared toward keeping smiles healthy.

In-Network VS Out of Network Dentistry

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One of the many benefits of PPO dental insurance plans is that they are flexible, allowing patients to choose a dentist they feel comfortable with and still receive treatment coverage. We are happy to offer in-network dental care for a number of plans, but our knowledgeable team members will process and file dental insurance claims for patients whether or not we are in-network with their insurer.

In-Network Coverage

Since dental benefits give patients coverage at almost any office, it may seem obvious to ask why you should bother finding an in-network dentist. While you do not need to visit an in-network dentist in order to receive coverage, these practices do ensure you have the lowest out of pocket costs, fastest turnaround on requests, and a team who is familiar with your individual plan. Our in-network insurance plans include:

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Delta Dental

We are an in-network with Delta Dental, the largest provider of dental insurance in the entire world. If you have a Delta Dental plan, we’ll be able to offer you significant savings including most preventive services for little or no cost. Simply give us your insurance information and we’ll take care of the rest!

Learn More about Delta Dental


Have a plan with Cigna? Great, we’re in-network with Cigna! Simply call ahead with your policy information handy or bring your Cigna ID card when you come to see us to instantly save on your dental care. We’ll file the claim, handle all the paperwork, and do everything we can to maximize your coverage.

Learn More about Cigna Dental


Do you have a dental insurance plan through Aetna? If so, you’re in luck, because JL Dental is in-network with Aetna! This means we’ll be able to offer you even bigger savings with your plan, including most preventive services for little or no cost. Want to know how we can use your particular plan to help you save at your next appointment? Just give us a call today!

Learn More about Aetna Dental


We are proud to offer in-network benefits for those patients with MetLife dental insurance plans. To see how we can use your plan to help you save at your next visit, simply give us a call ahead of your appointment or just bring your MetLife ID card with you when you come see us.

Learn More about MetLife Dental

Out of Network Coverage

While we don’t have standing agreements with out of network dentists to ensure our pricing falls within their treatment maximums, we do our best to keep costs reasonable. That means you are not likely to need to pay more for your services in our office, but if you ever have concerns about the cost of treatment or your insurance benefits, don’t hesitate to talk to our team members. We’re here to help.