Understanding PPO dental insurance does not have to be confusing. Here is how dental insurance works at Hillside Dentistry in Torrance — and what we accept.
Dental insurance can feel like a maze of deductibles, maximums, and fine print. If you are searching for a PPO dental insurance dentist in Torrance, here is the straightforward answer: Hillside Dentistry & Orthodontics accepts most PPO dental plans and will verify your benefits before any treatment begins.
Important: We accept PPO dental insurance only — not medical insurance plans.
What is PPO dental insurance?
PPO (Preferred Provider Organization) dental insurance gives you flexibility to see any licensed dentist, with better coverage when you visit an in-network provider. Most employer-sponsored dental plans in the South Bay are PPO plans.
Key terms to know:
- Annual maximum — The most your plan pays per year (typically $1,000–$2,500).
- Deductible — What you pay out of pocket before coverage kicks in.
- Coinsurance — The percentage your plan pays after your deductible (e.g., 80% for basic care, 50% for major).
- Preventive coverage — Cleanings and exams are often covered at 100% with no deductible.
What we accept at Hillside Dentistry
- Most major PPO dental plans
- CareCredit financing
- HSA and FSA funds
- All major credit cards
- Flexible in-house payment plans
We are happy to verify your specific plan and provide a written estimate before treatment. Call (310) 530-4300 with your insurance card handy.
How we help you maximize your benefits
- Pre-treatment verification — We contact your insurance company to confirm coverage and estimate your out-of-pocket cost.
- Clear estimates — You know what you will owe before we begin any procedure.
- Strategic scheduling — If you are near your annual maximum, we help plan treatment across benefit years when appropriate.
- Flexible payment — For costs beyond insurance, we offer CareCredit and payment plans so care stays affordable.
Common procedures and typical coverage
Exact coverage varies by plan. We verify yours specifically.
What if I do not have insurance?
You are still welcome at Hillside Dentistry. Our new patient specials make getting started affordable:
- $99 — X-rays and comprehensive exam
- $295 — X-rays, exam, and basic cleaning
We also accept CareCredit, HSA/FSA, and offer payment plans for larger treatment.
Frequently asked questions
Do you accept medical insurance? No — we accept PPO dental plans only, not medical insurance.
Can you bill my insurance directly? Yes — we file claims on your behalf for most PPO dental plans.
What if my plan is out of network? Many PPO plans still provide out-of-network benefits. We verify and explain your coverage either way.
Does insurance cover cosmetic procedures? Whitening and purely cosmetic work are typically not covered. Restorative and orthodontic procedures may be partially covered.
Questions about your coverage?
Book your appointment or call (310) 530-4300. Bring your insurance card and we will walk you through your benefits before any treatment.
Hillside Dentistry & Orthodontics — 2945 Rolling Hills Rd, Torrance, CA 90505
Have questions about your smile?
Dr. Marise Sheth and the Hillside team are here to help. Schedule a consultation today.
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