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Dental Insurance

For those of our patients fortunate to have dental insurance, our team works hard to make the most of your benefits. We are always happy to discuss the continually changing and complex world of insurance benefits while completely exploring your treatment options. Our office is currently in-network with Delta, Cigna, and Anthem. Regardless of what insurance carrier patients have, we work with each of them to maximize your coverage, including those with which we are out of network. Contact our office today with your insurance information to get a complimentary benefits consultation.


As an in-network dental care provider with Delta Dental, Cigna and Anthem, Dr. Michalski has pre-determined fees for covered procedures. These typically include preventive dentistry such as your biannual checkups and annual x-rays, as well as a number of restorative services. Like Dr. Michalski, the insurance companies know that putting money toward helping you keep your family’s smiles healthy is money well spent.  Prevention is often the key to avoiding more invasive treatments that, of course, cost you more money.


Delta Dental offers a number of benefit plans that all have different features. These plans are:

  • Delta Dental PPO
  • Delta Dental Premier
  • DeltaCare USA

With Cigna, you’ll select one of three dental health plans:

  • Cigna Dental Preventive
  • Cigna Dental 1000
  • Cigna Dental 1500

And if your coverage is with Anthem, you’ll choose among:

  • Dental Prime Plan A
  • Dental Prime Plan B
  • Dental Prime Plan C

If you have dental insurance with any of these carriers, then contact Dr. Michalski for coverage that gives you the most complete care.


There are some provisions in a dental insurance policy that are quite common in other types of insurance. For example, a deductible is the amount of money you must first pay out-of-pocket whether the insurance is for your car or your smile.

Similarly, your dental insurance plan probably carries a maximum. This refers to the top dollar amount your dental insurance plan will pay within a calendar year. This way you are less likely to go over the maximum in any given year.

The coinsurance payment is the percentage you must pay for a particular service. This is separate and in addition to the deductible.

If you have any questions about your dental insurance benefits plan, please feel free to call our office at 860-563-4544. We’ll be glad to help!


If you don’t currently have dental insurance and/or would like to pursue elective procedures like cosmetic or implant dentistry, an affordable payment plan through Care Credit or Lending Club is available. Both financing companies have plans that come with little to no interest and patients can choose from a wide variety of plan lengths in order to ensure that the payments fit well with their budget. Just follow the link below to apply: