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While you’re busy ticking things off your holiday to-do list, don’t forget to visit the dentist in Encinitas. Maybe it’s not the first thing on your mind this time of year, but your dental insurance benefits are set to expire when the ball drops on New Year’s Eve. Any money that you have accrued past your deductible will disappear, and all unused benefits will expire!

December is a busy month at McElroy Smiles By Design, so don’t wait to schedule an appointment to maximize on your investment in dental insurance.

Understanding Dental Insurance

Making sense of any insurance plan can seem daunting — there are deductibles to meet, claims to file, and other hoops to jump through. At McElroy Smiles By Design, we want to help make using your dental insurance a breeze. Our expert staff is well-versed in the latest coverage trends, and we are ready to discuss the ins and outs of your plan to help you make the most out of what you’re owed.

At the end of the year, here are the terms you need to understand to make your insurance plan work for you.

Deductible: The amount of money you must pay out-of-pocket for services before your insurance coverage kicks in.
Annual maximum: The amount up to which your dental insurance must pay for services after you have met your deductible.
In-network: A dentist who has come to an agreement with your insurance company to provide care at a reduced rate for you.
If you have met your deductible but not yet reached your annual maximum, now is the time to see about getting that crown or having that filling replaced. Dr. McElroy is in-network with a number of PPO plans, including…

  • Aetna
  • Ameritas
  • Assurant
  • Blue Cross Blue Shield
  • Blue Cross Anthem
  • Careington International
  • Cigna
  • Delta
  • First Dental Health
  • GE Financial
  • GEHA
  • Guardian
  • Golden West
  • Health Comp
  • Healthnet
  • Humana
  • Lincoln Dental Connect
  • Lincoln Financial
  • Medicare Advantage
  • Metlife
  • Pacificare
  • Premier Access
  • Plan Handlers
  • Principal Life
  • Reliance
  • Standard
  • Unicare
  • United Healthcare
  • United Concordia

Call our office to discuss your treatment plan and see what you could benefit from most this time of year.

Full Coverage for Preventive Services

Most dental insurance plans completely cover two checkups and cleanings as well as a set of x-rays each year. If you have yet to undergo your routine preventive care for 2016, now is an excellent time to cash in on these benefits.

Healthy smiles that last a lifetime are built on regular visits to the dentist. During your checkup and cleaning, we will remove the plaque and tartar that cause cavities and gum disease. Your dentist will also check for the early warning signs of these and other oral issues. The sooner they are detected, the easier and more conservative the treatment.

Contact Dr. McElroy’s Office Today!

There is still time to make the most out of your dental insurance benefits, but the clock is winding down on 2016. Contact our office to schedule an appointment with Dr. McElroy today.


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Encinitas Dentist for Teeth Cleanings, Pain-Free Dental Care, Gum Treatment, Dentures, Dental Implants, Invisalign, Teeth Whitening, Veneers, & More – Serving Encinitas, Carlsbad, San Marcos, Vista, Oceanside, Solana Beach, Del Mar, Rancho Santa Fe, Escondido & San Diego, CA

Your Top-Rated Dentist in Encinitas, CA

"This is a fantastic Dentist, McElroy and the associates in the office are amazing. Our daughters enjoy every time they are here. Very good practice, highly suggested!!"

- Cody H.

"I would definitely recommend Smiles By Design dental office to anyone who is looking for a personable, honest, thorough, and professional dentist. Dr. McElroy and his staff make you feel so comfortable, you forget you are at the dentist!! Highly recommend!"

- Kelly C.

"Had my first appointment at McElroy smiles by design, and the staff was so friendly and informative. It was an enjoyable experience and I plan on going back in the future."

- Isaac W.

"Thanks to everyone in the office! Great service and very punctual. Dr.McElroy is a wonderful dentist, he is very professional and friendly. He does what it takes to do the job perfectly— even if it requires extra time. I needed a lot of work when I first came to the office, but now when its all done, I love the outcome and my new smile! I am stoked!!"

- Wera S.

*The reviews listed are from actual patients of McElroy Smiles. Individual results may vary. Reviews are not claimed to represent results for everyone.

What To Expect On Your First Visit

Dr. McElroy is excited to provide you a $99 new patient special!


Discuss Your Goals With Dr. McElroy


Thorough Exam & Professional Cleaning


Digital X-Rays


Discuss Your Potential Treatment Options


Bonus: Free copy of Dr. McEroy’s Book