Your health and comfort is our passion...        

Our Office

Our friendly and competent staff is dedicated to patient comfort and quality care. We provide the best and latest in dental technology and treatment options. We provide gentle, family-oriented dental care to the adults and children in the tri-state area.

We utilize the best equipment and sterilization techniques available today. We are trained in a wide variety of dental procedures and services to manage your dental needs.  In addition to serving most of your dental needs, we work with specialists in certain areas of dentistry when necessary. Our team emphasizes comprehensive quality care and preventive dentistry.

Our goal is to assist you in creating a treatment plan that enables you to keep your teeth for a lifetime as well as reducing the risks of dental emergencies.

To see a tour of our office space please click the this welcome center link or the picture to the right.

Insurance & Payment

Swearingen Dental does not participate with any dental insurance plans.  We do, however, file your claims for most all of the dental benefits plans.  Here is some information regarding "dental insurance" that may be worth considering:

The insurance companies that write dental plans would like nothing better that to have me sign onto their list of network providers.  This is entirely in their best interest and not yours.  When the insurance company has a list of dentist who have signed on as providers, they are in a better position to sell the plan to companies.  Without dentists as providers, they have nothing to sell.  If I sign on as a provider, then I am working for the insurance company and not for you.  I am in this profession to provide the best care possible for my patients and therefore, I choose to work for you.  When I participate in these plans, the insurance company dictates the level of care you receive and this can lead to treatment options that are not in your best interest. 

Quoting from the American Dental Association web site

Some  plans require patients to choose a dentist from a limited list of dentists. Choosing from a list is not the same thing as freedom of choice. If your dentist is not on such a list, don't hesitate to ask why he or she has elected not to participate.

Dental plans are typically business arrangements between an insurance company and an employer. Most plans are designed to pay only a portion of your dental expenses. However, dental plans may exclude or discourage certain treatments, such as dental sealants, which can prevent tooth decay and save you money later on. Carefully read a plan and know its limitations. If a plan doesn't cover a procedure that is recommended by your dentist, this does not mean that the treatment isn't appropriate or needed.

Some plans do not cover pre-existing conditions, such as missing teeth. Others may not cover dental implants, specialist referrals and other dental needs. Even when you and your dentist agree on the appropriate treatment method for your condition, the contract provision of the dental plan may only pay a portion, or pay only for the least expensive alternative treatment (LEAT) as determined by the insurance company.

Dental plans may use the terms "usual, customary and reasonable" (UCR) to determine the portion of the dental treatment fee they will pay. The term UCR is misleading as individual insurance companies determine these amounts using confidential information and algorithms. “Maximum Plan Benefit” (MPB) is a more appropriate term as this is the reimbursement amount that the insurance company has agreed to pay for a specific dental procedure. MPBs may vary a great deal among plans — even when those plans operate in the same area. The premium paid by the benefit plan purchaser (e.g., your employer) also affects the MPB. Dental benefit plan reimbursement amounts may be very low compared to your area's average professional fee for these services, which means that you may be required to pay a greater portion of the treatment costs. 

Insurance Benefit Gaps

Patients often are surprised to find that their insurance benefits do not cover all the treatment their dentist recommends. Dental insurance benefits for the most part have remained at the same level for more than two decades, leaving patients to pick up any added costs out-of-pocket. In recent years, payment options have emerged to help patients bridge the gap between what their insurance covers and the total cost of care. Most dental practice will accept cash, personal checks or major credit cards, but many also offer outside monthly financing programs. These payment plans have rapidly gained popularity.

Although we do not participate with dental benefit plans, we do work hard to submit your claims and get every benefit dollar that your individual plan offers.