Many patients assume that visiting a dentist outside their network means losing their benefits entirely. With PPO plans, that’s not the case. Your PPO benefits travel with you, not with a specific clinic. Here’s what actually changes:
| Factor | In-Network | Out-of-Network PPO |
|---|---|---|
| Annual Maximum | Yes | Yes |
| Insurance Covers a Percentage | Yes | Yes |
| We File Your Claims | Yes | Yes |
| Fee Schedule | Negotiated rate | Usual and customary rate |
| Your Out-of-Pocket Cost | Lower, based on negotiated fees | May be slightly higher |
| Choose Your Own Dentist | Yes | Yes |
Not sure which insurance plan your employer provides? Below are some of the major employers in the South Sound area whose dental plans are commonly accepted at Tranquility Dental Wellness:
Insurance rarely covers everything, so we keep the ways to pay simple and flexible.
For larger cosmetic or restorative work, like veneers, implants, or a plan spread across several visits, CareCredit lets you pay monthly instead of all at once. If you already have an account, we can apply it at checkout. If you don't, applying online takes a few minutes and you'll hear back right away. CareCredit offers low-interest and deferred-interest monthly plans, subject to credit approval and minimum monthly payments. Visit CareCredit.com for more information.
You can view and pay your bill any time through your patient portal, or take care of it at the front desk.
Visa, Mastercard, American Express, Discover, and HSA or FSA cards
Personal checks, Apple Pay, and Google Pay
Downtown Seattle Dentists partners with a broad list of PPO dental carriers. Give us your plan information before your appointment and our administrative team will verify your benefits and outline what they cover.
Absolutely. Patients without dental insurance are welcome at our Olive Way office. You will get the same clear estimate up front, and CareCredit financing is available if you would prefer monthly payments on a bigger treatment plan.
Yes. After we complete your exam and build your treatment plan, our Olive Way team prepares a written estimate from your insurance details. You will have a clear number before we begin, although your insurer has the final say on benefits.
Yes. Our Olive Way administrative team submits PPO claims to your insurer directly. We take care of the filing and the follow up so you can focus on your care, and we will ask if we need anything from you.
In most cases, yes. Eligible care at our Olive Way office can typically be paid with a Health Savings Account or Flexible Spending Account card. Review your account guidelines first, and we are glad to provide an itemized receipt if you need one.
No. Our Olive Way office does not accept Medicaid dental plans. If you are self paying, we will put your costs in writing before treatment begins and can set you up with CareCredit financing for larger work.
At our Olive Way office, your estimated patient portion is collected on the day of your appointment. If you are using CareCredit, your financing agreement sets the schedule instead, and we will review it with you ahead of time.
Every one of our Seattle offices works with most PPO dental insurance, though accepted carriers can differ a bit between them. Pass along your insurance information to the office you are scheduling with and we will verify benefits in advance.
