176 Thomas Johnson Drive, Frederick, MD 21702

In an emergency but out of network?

Q: How can I find out what my insurance will cover if I choose to see an out-of-network provider?

A: We can provide solutions to help manage your dental costs.

Navigating Out-of-Network Dental Coverage for Emergency Care

"How can I find out what my insurance will cover if I choose to see an out-of-network provider?"
 This is one of the most common questions we hear from new patients at The Wobbly Tooth Dental Practice—and for good reason. When you’re dealing with a dental emergency, the last thing you want to worry about is insurance fine print. You want relief, reassurance, and clarity. We’re here to help you get all three.

At The Wobbly Tooth Dental Practice in Frederick, MD, we specialize in emergency dental care, and we do it with empathy, transparency, and a patient-first mindset. We understand that emergencies are overwhelming. Whether you’re experiencing a sudden toothache, a broken crown, or a dental injury, your focus should be on feeling better—not navigating insurance complexities. That’s where we come in.

We Put Your Health First—Not Insurance Restrictions

When you come to us with an emergency, your care is our top priority. While we understand the importance of managing costs, we will never compromise the quality of your care to fit within the limitations of an insurance policy. Instead of letting your plan dictate what kind of care you receive, we work with you to find solutions that support both your health and your budget.

Our approach is simple: We treat you based on what’s clinically necessary and right for you—not what’s “allowed” by your coverage. Our treatment plans are designed with your needs at the forefront, ensuring you get the relief you need without delay.

Out-of-Network Doesn’t Mean Out of Options

Many of our patients are surprised to learn that they can still use their insurance even if we are considered an out-of-network provider. In fact, most PPO dental insurance plans offer some form of out-of-network reimbursement. While the amount covered may vary, you are typically entitled to partial reimbursement for your emergency visit and follow-up care.

Here’s how it works:

  • After your visit, we provide you with a detailed treatment summary and the necessary documentation to submit a claim.
  • Our team is happy to guide you through the process of filing your claim directly with your insurance provider.
  • Once submitted, you will receive any eligible reimbursement directly from your insurance company.

This structure gives you the freedom to choose the dental care that’s right for you—even in an emergency—without being locked into a specific network.

What About Payment?

We know that unexpected dental issues often come with unexpected costs. That’s why we’ve made it as easy as possible to manage payment. We accept all major credit cards, Health Savings Accounts, and several patient-friendly financing options, including:

These programs are designed to help you spread payments out over time, so you can get the care you need now without financial stress. Many plans cover amounts up to $75,000, and we work with patients across a wide range of credit profiles.

No Insurance? We’ve Got You Covered

Not having dental insurance shouldn’t keep you from getting the care you need—especially in an emergency. At The Wobbly Tooth Dental Practice in Frederick, MD, we understand that millions of Americans go without coverage. That’s why we created a flexible, cost-effective alternative for individuals and families who want reliable access to dental care without the red tape of traditional insurance.

Our in-house Membership Plan is designed to give you peace of mind. It includes:

  • Same-day care and emergency dental exams
  • Preventive services like routine cleanings and diagnostic x-rays
  • Reduced rates on all other treatments you may need
  • No yearly caps, no approval delays, and absolutely no hidden fees

This plan is especially beneficial for individuals and families who want peace of mind knowing they have access to emergency dental care without the burden of traditional insurance. This plan gives you the freedom to focus on your health, not your coverage. Whether you’re managing ongoing dental needs or preparing for the unexpected, we’re here to provide dependable, affordable care—no insurance card required.

Compassionate Emergency Care When You Need It Most

When you’re in pain or distress, it’s not just about fixing a tooth—it’s about feeling safe, heard, and cared for. At The Wobbly Tooth Dental Practice, we take pride in offering a holistic approach to emergency dentistry, recognizing that emotional well-being is just as vital as physical relief.

From the moment you call us, our goal is to make you feel calm and supported. We offer:

  • Same-day emergency appointments whenever possible
  • Minimal wait times to reduce anxiety
  • A soothing environment with calming music, weighted blankets, and a friendly team
  • Clear explanations of procedures to ease your fears
  • Sedation options including oral sedatives for extra comfort
  • Thorough aftercare instructions and follow-up support to ensure you continue healing

Our patients often tell us how different their experience feels here—how they went from anxious and overwhelmed to confident and cared for. That’s the Wobbly Tooth difference.

Your Emergency, Your Plan

Every dental emergency is unique, and so is every patient. That’s why we never use a one-size-fits-all approach. Your treatment plan is yours—crafted by our experienced dental team to match your specific condition, your comfort level, and your personal health goals.

We don’t let red tape or pre-authorizations slow us down. If you’re in pain, we act quickly to get you the care you need—without waiting on insurance companies to decide what’s “covered.” We’re here to support you, not serve insurance systems.

Let’s Focus on Getting You Better

If you’re facing a dental emergency and aren’t sure what your insurance will cover, don’t let that stop you from seeking help. Call us—we’ll walk you through your options, explain what to expect, and get you scheduled for care right away. Whether you have coverage, need to file out-of-network, or are paying out of pocket, we’ll find a path that works.

Our billing coordinator is always available to answer your questions, help you understand your insurance benefits, and guide you through the next steps.

At The Wobbly Tooth Dental Practice, we’ll never compromise your care for the sake of insurance limitations. Your treatment plan is yours, and we’re honored to help you feel better—on your terms.

At The Wobbly Tooth Dental Practice, we provide skilled and compassionate care to help patients of all ages enjoy healthy, beautiful smiles. You can also reach out to us online with our easy and convenient "Contact Us" form.


We want to maximize our time with you. Please confirm any appointments within 24hrs. It's no problem if you need to reschedule. Please give us a call 24hrs ahead of your appointment time so we can make the adjustments and get you in for a time that works best for you. What's the best way to confirm your appointment? Phone, Text, and/or Email?
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Our Regional Scheduler, Tino, will call you to schedule & prepare you for your in-person consultation. She has a lovely British accent and will get back to you within 24hrs of your inquiry. She will call between 9a - 4p, M-F. Is there a day or time that works best for you?
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Some of our patients dip into their resources and assets for reasons just like this. We know that this can be time consuming and requires planning. During your consultation, would you like to map out how and when these resources would need to be made available?
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Contact Now

We look forward to hearing from you and welcome the opportunity to tell you more about our state-of-the-art practice and the many services that we provide.

Whether you have questions about our office, are interested in a consultation, or would like to schedule an appointment for care, our friendly and knowledgeable office team welcomes your phone call.

Get in Touch

Address:

176 Thomas Johnson Drive, Frederick, MD 21702

Hours of Operation

Friday
9:00 am - 6:00 pm
Saturday
9:00 am - 6:00 pm
Sunday
9:00 am - 6:00 pm