6150 W. Higgins Ave Chicago, IL 60630
Unum Dental Insurance in Chicago, IL
Most people don't realize how much their annual Unum benefits are worth until they're already halfway through the year — and that's a shame, because those benefits reset whether you use them or not. Smile Era Dental is in-network with Unum, which means you're getting the contracted rate from the very first appointment. No extra math. No surprise bills.
When you come in, our front desk team handles the insurance side of things. You won't be handed a stack of forms and left to figure it out. We verify your Unum coverage before your appointment, walk you through what's covered, and let you know upfront if anything is going to cost you out of pocket. Dr. Josh Philip and Dr. Soumya Thomas focus on your care — the administrative part is our job.
We're located at 6150 W Higgins Ave in Chicago, easy to get to from several surrounding neighborhoods. If you've been putting off a cleaning or a long-overdue checkup, this is a good time to use what you're already paying for. You can book online or just give us a call.
What Does Your Unum Plan Cover at Smile Era Dental?
Unum dental PPO plans are designed to cover a range of services, and the structure is pretty similar to most major PPO plans. Preventive care — things like routine cleanings, exams, and X-rays — is typically covered at the highest level, often around 100% when you're seeing an in-network provider. That's your plan working exactly the way it's supposed to.
Basic restorative work, like fillings, usually falls into a middle coverage tier — your plan typically picks up a significant portion, and you'd be responsible for the rest. Major services, such as crowns, root canals, or extractions, are generally covered too, though at a lower percentage. Most Unum plans also come with an annual maximum — a cap on what your insurance will pay out in a given year — and a deductible that applies to certain services. It's worth knowing where you stand before your visit. We'll pull your benefits ahead of time and go over them with you, but calling Unum directly or checking your plan documents is always a smart move to confirm the specifics of your individual coverage.
Smile Era Dental Is In-Network with Unum
Being in-network with Unum means we have a direct contract with them, and that contract sets the rates we charge for covered services. You're not paying the difference between our full fee and what insurance covers — you're paying based on the already-negotiated, lower contracted rate. That's a real difference in your out-of-pocket costs.
If you have out-of-network benefits on your Unum plan, you can still see us and use those benefits — but being in-network is the better deal. You'll typically have lower cost-sharing, and there's no balance billing to worry about. Either way, our team will work with what you have and make sure your benefits go as far as possible.
Why Chicago Patients Choose Smile Era Dental
Dr. Josh Philip and Dr. Soumya Thomas built this practice around one pretty simple idea — that going to the dentist shouldn't feel stressful. Whether you're coming in for a routine cleaning or something more involved, they take the time to explain what's going on and what your options are. Patients leave knowing what was done and why, not just handed a receipt.
Smile Era Dental sees a lot of folks from the neighborhoods around Higgins Ave in Chicago, and a big part of what keeps people coming back is how the visits actually feel. The team is straightforward, the appointments run on time, and nobody tries to oversell you on things you don't need. If you want to get started, call us at (773) 594-0655 or book an appointment online — we're currently welcoming new patients.
Ready to use your Unum benefits? Call us at (773) 594-0655 or book your visit online — we'd love to see you.
Call us: (773) 594-0655
Frequently Asked Questions
Yes, we do! Smile Era Dental is in-network with Unum, which is great news for you. Being in-network means we’ve agreed to their contracted rates, so you’re not paying full price out of pocket. If you want to double-check your specific plan before coming in, just give us a call at (773) 594-0655 and we’ll help you sort it out.
When you see an in-network dentist like us, your insurance pays a higher share of the bill — and you pay less. Out-of-network means the dentist hasn’t agreed to those set rates, so your costs go up and sometimes your insurance won’t cover as much. Staying in-network with Unum at our office keeps more money in your pocket.
Most Unum plans cover preventive care — like cleanings, exams, and X-rays — at a strong rate, sometimes fully. Basic work like fillings is usually covered at a decent percentage too. Major procedures like crowns or root canals tend to have lower coverage. Every plan is a little different, so we’re happy to look up your benefits before your appointment so there are no surprises.
Yes, you really will. Because we’re in-network here in Chicago, we bill at Unum’s negotiated rates — not our standard fees. That means your out-of-pocket costs are lower from the start. If you’ve got a cleaning or filling coming up, using your benefits at Smile Era Dental is one of the smartest ways to stretch your dental dollars.
Absolutely — we’re welcoming new patients right now. Dr. Josh Philip and Dr. Soumya Thomas both see patients with Unum coverage, and our team will handle the insurance side so you don’t have to stress about it. Whether you’re overdue for a cleaning or dealing with something more urgent, we’d love to get you scheduled.
The easiest way is to call us directly at (773) 594-0655 — our team can check your Unum benefits and get you on the schedule fast. When you call, just have your insurance card handy if you can. We’ll take care of the rest and make sure you know what to expect before you even walk through the door.