In-Network Insurance

Lake in the Hills, IL Family Dentist

You hear a lot of practices say that they are in-network with certain dental insurance providers, but what does that actually mean? How does it apply to your dentist in Lake in the Hills, Dr. Stirneman?

In-network means that a dental practice has negotiated a contract for discounts on their services with a dental insurance provider. The provider has a multitude of contracts with different practices, and this is what constitutes the network, meaning that if you go to any of those practices, you will receive the same discounts. If you go to a practice that does not have a contract with your provider, this will make them out-of-network, and you will probably not have as much of your care covered.

Dr. Stirneman’s practice, for example, is in-network with the largest providers of dental insurance in Lake in the Hills, which makes it easier for a wider variety of patients to use their insurance to get the care that they need.

An in-network provider can offer a multitude of benefits over an out-of-network one.


In order to become in-network, Dr. Stirneman had to apply to be a care provider with insurance providers. This started a credentialing process. Some of the things the providers looked at were Dr. Stirneman’s credentials, the quality of his staff, and the state of his facility. This means that when you come into All Smiles Dental, you know due diligence has been done, and your quality of care is guaranteed.

Of course, the main reason to visit an in-network provider is that it will be much more affordable. Dental insurance is geared towards standard preventive care. It is mostly intended to help you stop dental issues before they start, rather than help you treat them, which is more of the case with medical insurance. Many plans cover preventive care 100%, or at a very deep discount. Dental cleanings and check-ups are some of the most important services you can get at All Smiles Dental, and your plan will probably pay for it all.

Dental insurance will also pay for a portion of restorative procedures, and this is where your discounts from visiting an in-network dentist can compound. The contract Dr. Stirneman has negotiated with providers means that he will offer his services at a discount, and then many plans will pay for a portion of the service on top of that.

Here’s an example: A dental crown, in total, costs an average of $1,000 in today’s current market. When you visit an in-network dentist, the insurance provider and dentist may have negotiated it to only cost $800. Many plans pay for 50% (or more) of restorative services, meaning the crown will only cost you $400 in the end. This saves people thousands of dollars with each visit.


  • Ameritas
  • Assurant
  • Blue Cross Blue Shield
  • Careington
  • Cigna
  • Delta Dental
  • Fox Valley
  • GEHA
  • Guardian
  • Lincoln Financial
  • Metlife
  • Principle
  • Sunlife
  • United Concordia
  • United Healthcare


If you have any questions about whether we’re in-network with your plan, or what kinds of discounts you can get, please give us a call today. We’re happy to help you understand your plan so you can get the most out of it.

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