Dental Insurance

Understanding how to pay for oral surgery is one of the first questions patients ask, and it’s a fair one. Procedures like dental implants, wisdom teeth removal, and bone grafting represent real investments in long-term health, and cost uncertainty can delay care that shouldn’t wait. At Harmony Dental Implants and Oral Surgery, we work with most major PPO dental insurance plans so that your coverage works as hard as you do.

Dr. Riddhi Patel, a board-certified oral and maxillofacial surgeon serving both Charlotte, NC, and Tega Cay, SC, built this practice around clinical precision and patient-centered care. That includes making the insurance side of treatment as clear and transparent as possible before you ever sit in the chair. Learn more about our practice on our about page.

Insurance We Accept

We are in-network with most major PPO dental insurance plans, which means your benefits apply directly toward the cost of your procedure. According to the American Dental Association’s Health Policy Institute, adults with private dental insurance are more than three times as likely to receive dental care as those without coverage. We work to make sure that if you have coverage, you can actually use it.

In-Network Insurance Plans

We accept a wide range of PPO insurance carriers at both our Charlotte and Tega Cay locations:

Delta Dental
In network at both locations
Ameritas
Accepted at both locations
Guardian
Accepted at both locations
Principal
Accepted at both locations
MetLife
Accepted at both locations
Cigna
Accepted at both locations
Blue Cross Blue Shield
In network at both locations
United Concordia
In network at both locations
United Healthcare
Accepted at both locations
VA Patients
Accepted at both locations
HSA / FSA Funds
Accepted at both locations

If your plan is not listed, contact our office and we will verify your benefits at no cost to you.

How PPO Benefits Work for Oral Surgery

PPO plans typically cover a portion of oral surgery procedures after your annual deductible is met. Common procedures such as wisdom teeth removal and medically necessary extractions often fall under the basic or surgical benefit tier, which many plans cover at 50 to 80 percent of the allowed fee. Procedures like dental implants may carry more variable coverage depending on your specific plan, which is why benefit verification before your appointment matters.

Our team contacts your insurance carrier directly to confirm your coverage before treatment so there are no surprises at checkout. We handle the verification process so you can focus on your care, not the paperwork.

What to Bring to Your Appointment

Coming prepared makes the insurance conversation at your first visit much smoother. Bring your dental insurance card and a photo ID to your appointment. If you have access to your plan documents, it also helps to know your annual maximum benefit and your remaining deductible for the year. Our front desk team will handle all direct verification with your carrier — having your card on hand simply ensures there are no delays getting started.

Questions About Your Coverage?
We verify benefits at no cost before your appointment. Reach us at either our Charlotte, NC or Tega Cay, SC location.

Choose Harmony Dental Implants and Oral Surgery

Dr. Patel and her team at Harmony Dental Implants and Oral Surgery are committed to making surgical care accessible to patients in Charlotte, NC, and Tega Cay, SC. As a board-certified oral and maxillofacial surgeon and member of the American Association of Oral and Maxillofacial Surgeons, the American College of Oral and Maxillofacial Surgeons, and both the North Carolina and South Carolina Dental Societies, Dr. Patel brings a level of training and precision that sets this practice apart. We accept all major PPO insurance plans at both locations and will verify your benefits before your appointment so you walk in with full confidence.

Ready to schedule? Contact our office today — our team is happy to answer any insurance questions and get you booked at whichever location is most convenient.