Hey there! So you’re checking out ILA Dental Group and wondering about the whole insurance situation? I totally get it – figuring out if a dentist takes your insurance is honestly one of the most annoying parts of finding a new dental office. But here’s the good news: ILA Dental Group in North Miami Beach works with pretty much everyone, and they’ve actually made the whole insurance thing way less painful than usual.
Let me break down everything you need to know about paying for your dental care there, whether you’ve got insurance or not. Trust me, by the end of this, you’ll know exactly what to expect.
Insurance at a Glance
Our Goal: To help you maximize your dental insurance benefits and make quality dental care accessible to everyone in the North Miami Beach community.
We Are In-Network With: We are proud to be in-network with most major PPO dental insurance plans, which means lower out-of-pocket costs for you.
Don’t See Your Plan? Call us at our North Miami Beach office! We are happy to do a complimentary benefits check for you and verify your coverage before your appointment.
No Insurance? No problem. We also offer flexible financing through CareCredit and an in-house dental savings plan designed specifically for patients without traditional insurance.
Table of Contents
Major Insurance Plans We Proudly Accept
At ILA Dental Group in North Miami Beach, we maintain in-network provider status with the following major dental insurance carriers:
Our Insurance Partners
[Aetna] [Cigna] [MetLife]
[Guardian] [Delta Dental] [Humana]
[United Concordia] [Principal] [Ameritas]
[GEHA] [Anthem] [United Healthcare]
[Renaissance Dental] [Assurant] [Sun Life]
We are in-network PPO providers for the following major insurance companies:
- Aetna – One of the nation’s largest dental insurance providers, offering comprehensive PPO plans
- Cigna – Known for their extensive network and flexible plan options
- MetLife – A trusted name in dental benefits with strong coverage for preventive care
- Guardian – Offering robust dental plans with excellent orthodontic benefits
- Delta Dental – The largest dental insurance carrier in the United States
- Humana – Providing affordable dental coverage with emphasis on preventive care
- United Concordia – Specializing in dental benefits for military families and federal employees
- Principal – Offering comprehensive dental plans with competitive premiums
- Ameritas – Known for their straightforward claims process and broad coverage
- GEHA – Serving federal employees and retirees with comprehensive dental benefits
- Anthem – Part of the Blue Cross Blue Shield network with extensive coverage options
- United Healthcare – One of the largest health insurance providers with strong dental benefits
- Renaissance Dental – Offering affordable PPO plans with focus on preventive care
- Assurant – Providing flexible dental insurance solutions for individuals and families
- Sun Life – Canadian-based insurer with strong presence in the US dental market
Understanding PPO Networks and Your Benefits
Being an in-network provider with these major carriers means that ILA Dental Group has negotiated contracted rates with these insurance companies. This arrangement provides significant advantages for our patients. When you visit an in-network dentist like ILA Dental Group, you benefit from pre-negotiated fees that are typically lower than out-of-network rates. Your insurance company has already agreed to specific pricing for various procedures, which means more predictable costs and often lower out-of-pocket expenses for you.
With PPO plans (that’s what most people have), you can technically go to any dentist you want. But here’s the catch – if you go out-of-network, you’re gonna pay more. Sometimes a LOT more. So being in-network with ILA Dental Group? That’s actually a big win for your wallet.
Coverage Limits and What to Expect
Most dental insurance follows the same basic pattern, and honestly, once you understand it, it’s not that complicated:
Cleanings and checkups? Usually 100% covered. Like, you literally pay nothing. This is why everyone tells you to go to the dentist twice a year – it’s free!
Fillings and basic stuff? Usually covered at 70-80%. So if a filling costs $200, you might pay $40-60.
Big stuff like crowns or root canals? Usually 50% coverage. These procedures aren’t cheap, so that 50% actually helps a lot.
Understanding your specific coverage limits is crucial for financial planning. Most dental insurance plans have an annual maximum benefit, commonly ranging from $1,000 to $2,000 per year. This represents the maximum amount your insurance will pay toward your dental care within a calendar year. Our team at ILA Dental Group can help you track your benefits throughout the year to ensure you’re maximizing your coverage.
Additionally, many plans have deductibles that must be met before coverage kicks in for basic and major procedures. Preventive care is usually exempt from deductibles, which is why we strongly encourage our patients to maintain their regular six-month cleaning and examination schedule.
Understanding Your Benefits: How Our Team Helps
Insurance can be confusing, and dental benefits are no exception. Our experienced treatment coordinators at ILA Dental Group are experts at navigating the insurance system, and we’re here to be your advocate throughout the process.
We will:
✅ Provide a complimentary benefits check before your first appointment – We’ll contact your insurance company to verify your coverage, confirm your remaining annual maximum, and identify any deductibles or waiting periods that may apply.
✅ Explain your coverage in plain English – No insurance jargon or confusing terminology. We’ll break down exactly what your plan covers, what your estimated out-of-pocket costs will be, and answer any questions you have.
✅ Submit all claims and paperwork on your behalf – You won’t need to deal with complicated claim forms or follow-up calls to your insurance company. We handle all the administrative work, allowing you to focus on your dental health.
✅ Help you create a financial plan to cover any out-of-pocket costs – If you have expenses not covered by insurance, we’ll work with you to develop a payment plan that fits your budget, whether through our financing options or a customized payment schedule.
✅ Maximize your benefits strategically – If you’re approaching your annual maximum or have significant treatment needs, we can help you plan your care across benefit years to optimize your coverage and minimize your costs.
The Claims Process Made Simple
When you receive treatment at ILA Dental Group, our relationship with your insurance company as an in-network provider streamlines the entire claims process. After your appointment, we submit your claim electronically, which typically results in faster processing times. Most insurance companies process electronic claims within 14-30 days, though some may take longer depending on the complexity of the procedure.
We track all submitted claims and follow up on any that are delayed or denied. If your insurance company requests additional information or documentation, we handle that communication directly. You’ll receive an Explanation of Benefits (EOB) from your insurance company detailing what was covered and what, if anything, you owe. We’ll review this with you and ensure you understand every line item.
The best part? You can call them anytime with questions. Like, even months later if you’re looking at an old bill and you’re like “wait, what was this for?” They’ll help you figure it out.
Other Payment Options for Your Care
At ILA Dental Group, we believe that lack of insurance should never be a barrier to receiving excellent dental care. We’ve developed multiple payment options to ensure that all patients in the North Miami Beach community can access the treatments they need.
Financing Through CareCredit
CareCredit is the nation’s leading healthcare credit card, designed specifically for medical and dental expenses. This financing option allows you to spread the cost of your dental treatment over time with flexible payment plans.
Benefits of CareCredit include:
- Special financing options – Depending on the amount financed and current promotional offers, you may qualify for deferred interest or reduced interest financing plans
- Quick approval process – Apply online in minutes and receive an instant decision in most cases
- Reusable credit line – Once approved, you can use your CareCredit card for future dental visits and other healthcare expenses at thousands of providers nationwide
- Flexible payment terms – Choose from multiple payment plan options ranging from 6 to 24 months, depending on the amount financed
- No annual fees – CareCredit doesn’t charge annual fees, and there are no prepayment penalties if you pay off your balance early
To apply for CareCredit, you can visit their website directly or ask our front desk team for assistance. We can help you complete the application during your visit, and approval decisions are typically instant. Once approved, you can begin using your CareCredit card immediately for your treatment at ILA Dental Group.
Our In-House Dental Savings Plan
For patients without traditional dental insurance, ILA Dental Group offers an affordable in-house savings plan that provides significant discounts on dental services. This membership-based program is designed to make preventive and restorative care more accessible to everyone in our North Miami Beach community.
Our Dental Savings Plan includes:
- Annual membership fee – A low annual cost that provides year-round benefits
- Preventive care coverage – Includes two routine cleanings, comprehensive examinations, and necessary X-rays at no additional cost
- Discounted treatment rates – Members receive 15-20% off all additional procedures, from fillings to crowns to cosmetic treatments
- No waiting periods – Unlike traditional insurance, there are no waiting periods for major procedures. Your benefits are available immediately upon enrollment
- No annual maximums – There’s no cap on how much you can save. The more treatment you need, the more you save
- Family coverage options – Discounted rates available for adding family members to your plan
This savings plan is particularly valuable for patients who are self-employed, whose employers don’t offer dental benefits, or who have maxed out their annual insurance benefits but still need additional care. Our team can provide you with a detailed breakdown of the plan costs and benefits during your consultation.
Additional Payment Arrangements
Beyond CareCredit and our in-house savings plan, ILA Dental Group works with patients on an individual basis to create customized payment arrangements. If you’re facing a significant treatment need and need to spread payments over time, we can often develop an in-house payment plan that works within your budget. These arrangements are handled with complete confidentiality and flexibility, and we’re committed to finding a solution that allows you to receive the care you need without financial stress.
A Note for ILA Union Members
We are sometimes confused with the dental benefits provided by the International Longshoremen’s Association (ILA). While “ILA Dental Group” is our practice’s name, we are a completely separate entity from the ILA union’s dental insurance plan. Our practice name is simply a coincidence and does not indicate any formal affiliation with the International Longshoremen’s Association or their benefit programs.
However, we understand that this similarity in names can create confusion, particularly for union members searching for in-network dental providers. If you are a member of the International Longshoremen’s Association and receive dental benefits through your union, we are happy to check if your specific ILA union’s dental plan is one of the PPO networks we accept. Many union dental plans contract with major carriers like Aetna, Cigna, or Delta Dental, and if your union’s plan uses one of these networks, there’s a good chance we’re already in-network for you.
To verify your coverage, please call our North Miami Beach office with your insurance details. Our treatment coordinators will contact your plan administrator directly to confirm whether ILA Dental Group is an in-network provider for your specific union dental benefits. We’ll verify your coverage levels, any applicable deductibles, and your remaining annual maximum so you have complete information before scheduling your appointment.
This clarification is important because we want to ensure that all patients—whether they’re union members, privately insured, or uninsured—have accurate information about how they can access care at our practice. We serve the entire North Miami Beach community and welcome patients with all types of dental coverage.
Frequently Asked Questions
What is a PPO plan?
It’s basically the most flexible type of dental insurance. You can go to any dentist you want, but you save money when you go to someone in the network. Think of it like having options – you’re not locked into specific dentists like you are with HMO plans, but you get rewarded for staying in-network with lower costs.
Most PPO plans cover cleanings at 100%, basic stuff like fillings at 70-80%, and bigger procedures like crowns at 50%. The exact percentages depend on your specific plan, but that’s the general idea.
What does ‘in-network’ mean?
It means they’ve already worked out the prices with your insurance company. This is good for you because:
You pay less – sometimes 20-40% less than you would at an out-of-network dentist
They handle all the claim stuff for you
You know what you’re gonna pay upfront because the prices are already set
When you go out-of-network, you might still get some coverage, but you’ll pay more and you might have to deal with submitting your own claims. Not fun.
What if my insurance isn’t on your list?
Yeah, totally! Most PPO plans will still cover some of your costs even if the dentist is out-of-network. You just won’t get quite as big of a discount.
Here’s what happens: Your insurance will pay a percentage of what they consider “usual and customary” rates for the North Miami Beach area. It might be a bit less than in-network coverage, but you’ll still get help with the costs.
Plus, insurance networks change all the time. Someone who’s not in-network today might be next month. Just call and ask – they can tell you exactly what your situation is.
How do I know what my insurance covers?
Just let them check for you! When you call to make an appointment, give them your insurance info and they’ll call your insurance company directly. They’ll find out:
What percentage they cover for different types of work
How much of your annual maximum you’ve already used
If you have a deductible and how much it is
If there are waiting periods for certain procedures
Your insurance card has some basic info, but it doesn’t tell you everything. That’s why their verification process is so helpful – you get the full picture before you even show up.
Does ILA Dental Group accept Medicaid or Medicare?
Currently, ILA Dental Group does not participate in Medicaid or original Medicare programs. However, many Medicare Advantage plans include dental benefits, and we do accept several Medicare Advantage plans that contract with the PPO networks we participate in. If you have a Medicare Advantage plan with dental coverage, please call our office with your plan information so we can verify whether we’re in-network for your specific plan.
For patients with Medicaid or without any insurance coverage, we encourage you to explore our in-house dental savings plan and financing options through CareCredit. These alternatives can make dental care affordable and accessible regardless of your insurance status.
What is the typical timeline for insurance reimbursement?
Usually 2-4 weeks, sometimes up to 6 weeks if it’s complicated. ILA Dental Group submits everything electronically, which speeds things up compared to old-school paper claims.
You’ll get a statement from your insurance showing what they paid and what you owe. If it’s taking forever, their billing team keeps tabs on everything and follows up with the insurance company. You’re not in it alone.
Can I use my FSA or HSA for dental expenses?
Yep! Dental stuff is totally eligible for both Flexible Spending Accounts and Health Savings Accounts. You can use these for your deductible, copays, or anything else you have to pay out of pocket.
Most FSA and HSA cards work just like debit cards at their office. Or if you want to pay another way and get reimbursed later, they can give you detailed receipts. Using these accounts saves you money on taxes, so it’s basically like getting a discount on your dental care.
Your Next Step: Schedule Your Appointment Today
Ready to get started with ILA Dental Group? The next step is easy. Whether you’re a new patient looking to establish care or an existing patient scheduling your next appointment, our team is here to make the process simple and straightforward.
Contact our North Miami Beach office today:
📞 Phone: (305) 956-9996
📍 Address: 1400 NE Miami Gardens Dr Ste 215 North Miami Beach, FL 33179
🕐 Hours: 9:00 AM – 1:00 PM
💻 Online: Visit our website to complete our convenient online appointment request form, and a member of our team will contact you within one business day to confirm your appointment time.
Pro tip: Have your insurance card handy when you call. They’ll verify your benefits right then and answer any questions you’ve got about coverage or payment options. They’ve got flexible scheduling too – early mornings, evenings, even Saturdays if that works better for you.
Bottom line? Don’t let the whole insurance thing stress you out or keep you from getting your teeth checked. The team at ILA Dental Group actually knows what they’re doing with insurance stuff, and they’re not gonna leave you hanging with surprise bills or confusing paperwork.
Whether you’re just coming in for a cleaning or you need some serious work done, they’ll help you figure out the money part so you can focus on, you know, actually taking care of your teeth. And honestly, in North Miami Beach, it’s hard to find a dental office that makes the insurance and payment stuff this easy.
So yeah, give them a call. Your teeth will thank you, and your wallet probably will too.
About This Review: This comprehensive guide was researched and written by the team at RiskGuarder.com, a trusted resource for consumer financial information. While we strive for accuracy, insurance networks and coverage details can change. We always recommend contacting ILA Dental Group directly to verify current insurance participation and coverage specifics for your individual plan. For questions about our review methodology or to suggest updates to this information, please visit our methodology page.
