Begining January 1, 2024, we will be Out-Of-Network with the following insurance companies:

• Aetna 
  • Employer Examples* Bell Brothers, BNSF, Canadian National, Costco, Hobby Lobby, JC Penny, Johnson & Johnson, Sysco Corp, UPS, USG, Verizon
• Ameritas (DBAs Ameritas Life Ins Co, Ameritas Life Ins of NY, Standard Life Ins co, Standard Life Ins Co of NY, Reliance Standard Life Ins, Reliance Standard Life Ins Co.)
  • Employer Examples* Batteries Plus, Hartels DBJ, ISD 704, Lakehead Trucking, Menards, , Schneiderman’s Furniture, WDIO
• Benefit Plan Administrators (BPA)
  • Employer Examples* Moline Machinery
• Blue Cross/Blue Shield of MN
  • Employer Examples* Army Nat’l Guard, BCBS, DOJ, Federal Employees, MAT Inc, USAF, USDA, USPS
• Blue Cross/Blue Shield of IL, SD, MI, TX
  • Employer Examples* Enbridge, Gerdeu Ameristeel, USG
• Cigna
  • Employer Examples* 3M, AT&T, Auto Glass Specialists, Dominos Pizza, FedEx, Holiday, KBJR, Michael’s, Outback Steakhouse, Panara, Sappi, School District of Superior, US Steel, Waste Management
• Companion Life (Stratose)
  • Employer Examples* Alta Survey Company, Cloquet Ford Chrysler Center, Northland Constructors
• Guardian
  • Employer Examples* Altec,  ARDC,, DMIR, Gartner Refrigeration, Grandma’s Inc,  Lakehead Trucking, Lakewalk Surgery Center, Schneiderman’s Furniture, Thrifty White Drug, Twin Ports Dermatology
• Humana (includes Central States, Preventative Plus & Medicare)
  • Employer Examples* Humana Choice for Seniors Medicare Supplement, Humana for Seniors, 
• Lincoln Financial Group
  • Employer Examples* Arrowhead Regional Development, City of Cloquet, Community Memorial Hospital
• Met Life
  • Employer Examples* Arrowhead Equipment, Centurylink, CHUM, Cleveland Cliffs, Duluth News Tribune, Ernst and Young, Federal Employees, FEDVIP (already out of network),  Frito Lays, Guidehouse Inc.,Home Depot, Jeff Foster, North Shore Mining Co, Red Cross, Sysco, USG, US Postal Service
• Mutual of Omaha
• Preferred One
• Principal
  • Employer Examples* Bendtec Inc, Bullyan RV, Grandma’s Inc, Holiday, Kia of Duluth, Lakehead Trucking, Vision Pro
• Sun Life
  • Employer Examples* Acme Tools, Beehive Homes, North Shore Bank of Commerce, Royal Tire, Viewcrest Nursing Home, WDSE, ZMC Hotels
• Total Dental Administrators (TDA) 
  • Employer Examples* Cloquet Motors, Floodwood Services, The Fireplace Corner
• United Healthcare (UHC)
  • Employer Examples* AARP Plan (already out of network), APWU, Applebee’s, Boys and Girls Club, CN Railway, Medicare Advantage, Optum Health, Retired Railroad, Sam’s Club, United Healthcare, US Dept of Homeland Security TSA, Walgreens
• United Concordia  (Civilian and Government Employees)
  • Employer Examples* Asplundh Tree Company, Dick’s Sporting Goods, FEDVIP,  Lake Superior Consulting, Medicare Supplement, United States Steel, UDAC, USPS, Vision Works, Wrenshall ISD #100 

* This is a list of some of the employers with this insurance. It does not include ALL employers with his insurance. Please check your dental insurance card to verify the insurance company you currently have.

Please Note: This is a list of employers we have created within our office while we are in-network with the above listed insurance companies. This list is as current and correct as we can make it. It may not be 100% accurate. For the most current and accurate information, please call your insurance company directly to ask about your specific insurance plan. 

Important: This does not mean you can’t continue seeing us for your dental needs! You can still be a patient at our office! The biggest change you will see will be the lack of insurance adjustments taken off your dental claims. You may also find your insurance company pays to you instead of us. Each insurance company is unique and has different procedures with how they reimburse dental offices for your claims.