Michael A. Kubiniec D.D.S.
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Insurance

Insurance

Who We Work With

We have always happily worked with patients and their dental benefit providers, which include but are not limited to the following:

  • Aetna
  • AFLAC
  • Blue Cross Blue Shield of Massachusetts
  • Blue Cross Blue Shield of Minnesota
  • Blue Cross Blue Shield of Rochester
  • Blue Cross Blue Shield of WNY
  • Cigna
  • ComTon
  • CSEA
  • Delta Dental
  • EBS
  • Fidelis
  • GEHA
  • Guardian
  • Health Economics
  • HealthPlex through Independent Health
  • Lifetime Benefit Solutions
  • Lincoln Financial
  • Met Life
  • MVP
  • Nova
  • Principal Financial Group
  • RMSCO
  • United Healthcare
  • Univera

What You Should Know

Insurance companies reimburse your care based on a "fee schedule" based on a standard of care typically determined appropriate over 10-20 years ago based on average quality of dental care.

Dentistry has changed significantly in recent decades, and we invest in new technology in order to provide the best care our patients can find. 

You'll find that the fees charged in our practice are the same for all patients, whether they are insured or pay cash. Keep in mind that there are very few dental plans out there that will provide 100% coverage for dental fees. We are happy to sit with you and go through your policy and determine the extent of benefits available to you, maximize the benefits you do have, and request benefits information from your insurance company.

We will ensure that everyone is clear on the extent of reimbursement before any form of treatment begins.

If you have questions about your dental benefits give us a call, or just ask at your next appointment.