Ooltewah TN Dentist Accepting Delta Dental

Peterson Family Dentistry is in-network with almost all major PPO insurance plans, including Delta Dental. If you carry a Delta Dental plan and live in Ooltewah, Collegedale, Apison, or Cedar Hill, the Apison Pike office is set up to verify your benefits, file your claim, and get you in the chair without the paperwork run-around that often comes with switching dental offices.

The office is at 9325 Apison Pike #119, about a mile north of the Apison Pike and Cambridge Square intersection and a 10-minute drive from I-75 Exit 11. Most Ooltewah patients can be in the chair within 15 minutes of leaving home.

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Insurance and Delta Dental Coverage at Our Ooltewah Office

The office is in-network with almost all major PPO dental plans, which includes most Delta Dental policies you would carry through an employer or as an individual. PPO plans pay the largest share of covered services, which keeps your out-of-pocket cost as low as the network rate allows. Premier plans, individual plans, and Delta Dental plans bought through the marketplace are also commonly accepted; coverage percentages vary by plan and the office checks your specific benefits before treatment.

Call (423) 396-4222 with your member ID and the front desk will verify what your specific Delta Dental plan covers before your visit. You do not have to wait until you arrive to find out what you owe.

How Your Insurance Works at the First Visit

Bring your insurance card and a photo ID to the first visit. The front desk verifies benefits before treatment starts. For most PPO plans, preventive care (cleanings, exams, routine X-rays) is covered at or near 100 percent twice a year. Basic restorative work (fillings, simple extractions) typically lands in the 70 to 80 percent coverage range. Major restorative work (crowns, bridges, root canals) is usually 50 percent, subject to your annual maximum and any waiting periods written into your plan.

Once treatment is planned, you get a written estimate that breaks out what your insurance is expected to pay, what your share looks like, and what falls outside coverage. Nothing is billed until you agree on the plan. The office files dental claims directly so you do not have to chase reimbursement.

Dual Coverage and Family Households

Family households where one parent has Delta Dental through one employer and the other parent has a different dental plan through a different employer are common. Both plans are often billable at the same visit, and dual coverage usually raises what is reimbursed. The team coordinates primary and secondary benefits if you carry two plans.

About Dr. David Peterson, DDS

DR DAVID PETERSON DDS

Dr. David Peterson, DDS, earned his Doctor of Dental Surgery degree at Loma Linda University School of Dentistry in California. He has been in private practice for 21 years. Over that time he has treated about 25,000 patients, placed thousands of veneers, restored hundreds of dental implants, and performed thousands of tooth extractions, both routine and surgical.

He keeps current through about 25 hours of continuing education each year, with more than 800 documented CE hours since dental school. Of his patient base, 90 to 95 percent have stayed with the practice for at least five years, and the practice runs a 90 to 95 percent year-over-year retention rate. Most of his Ooltewah patients are second-generation, in some cases third.

21 Years of Experience and 25,000 Patients Treated

Long-term clinical experience matters most when something goes sideways. The routine cleaning looks the same whether the dentist has been practicing for 2 years or 20. But the moment a routine cleaning turns up something unexpected, the patient who picked the more experienced provider has a smoother day. That is the case Dr. Peterson asks Ooltewah patients to weigh.

2025 BusinessRate Top Dentist Award

BusinessRate named Dr. Peterson a Top Dentist in Chattanooga for 2025. The recognition is one factor among many, but it confirms that local patient and peer feedback matches the practice retention numbers.

"Ooltewah has changed a lot over the years I have been practicing here, but the families have stayed. A patient I saw at 16 brings her kids in now. Sorting out insurance is one piece of what we handle at the front desk, but the part I care about is making sure that next generation has the same continuity."

Dental Services Covered by Most PPO Plans

Preventive Care (Cleanings, Exams, X-Rays)

Twice-yearly cleanings, periodic exams, bitewing X-rays, fluoride for kids, and sealants are usually paid at 100 percent under most PPO plans, including Delta Dental, with no deductible. This is the easiest place to put your dental benefits to work. If you have not used your two annual cleanings, schedule the second one before December 31. Unused benefits do not roll over.

Restorative Care (Fillings, Crowns, Bridges)

Tooth-colored fillings, crowns, bridges, root canals, and tooth replacement work are covered at varying percentages depending on whether your plan classifies them as basic or major services. The office files the pre-authorization paperwork so you know what your plan will pay before the work starts.

Sedation, Implants, and Cosmetic Options

Dental implants and full-arch implant work are usually classified as major services. Some PPO plans cover them; many do not. Cosmetic veneers and elective whitening are rarely covered. The practice offers in-house financing and CareCredit for patients who want to combine insurance-covered work with cosmetic care that is paid out of pocket.

Sedation dentistry (nitrous oxide, oral sedation) is available for patients who have postponed dental work because of anxiety. Sedation itself is generally not covered by dental insurance, but the underlying procedure usually is.

Visiting Our Ooltewah Office

Location, Hours, and Directions from Cambridge Square

Address: 9325 Apison Pike #119, Ooltewah, TN 37363. Phone: (423) 396-4222.

Hours: Monday through Thursday 8:00 AM to 5:00 PM, Friday 8:00 AM to 1:00 PM. Closed Saturday and Sunday.

From Cambridge Square, head north on Apison Pike for about a mile. The office is on the right inside the medical-and-professional plaza, suite 119. Parking is in front of the suite. From Collegedale, take Little Debbie Parkway east to Apison Pike and turn left. From I-75, take Exit 11 (Ooltewah / Georgetown), follow Ooltewah-Ringgold Rd east, then turn right onto Apison Pike. The drive from the exit is about 10 minutes.

Directions

Google Business Profile Listing

Ooltewah TN Delta Dentist Office Tour

Our Ooltewah Dental Services Include:

What to Expect at Your First Appointment

Block out 75 to 90 minutes for the first visit. The first 15 minutes cover paperwork, medical history, and benefits verification. The next portion is a full exam, digital X-rays, and an oral cancer screening with Dr. Peterson. If a cleaning is on the books for the same day (and your plan covers it), the hygienist follows the exam. You leave with a treatment plan if anything beyond preventive care is needed, with cost broken out by what your insurance pays and what your share will be.

Frequently Asked Questions About Delta Dental in Ooltewah

Does Peterson Family Dentistry accept Delta Dental?

Peterson Family Dentistry is in-network with almost all major PPO insurance plans, which includes most Delta Dental policies. Coverage depends on your specific plan, so call (423) 396-4222 with your Delta Dental member ID and the office will verify your benefits before your first visit.

What is the difference between Delta Dental PPO and Premier?

PPO is the deeper-discount network. Premier is the broader network. PPO usually pays a higher percentage and dentists accept a lower contracted rate, so your out-of-pocket cost is lowest with PPO. Premier covers more dentists statewide but at slightly higher member cost. Call the office with your card information and the front desk will tell you exactly how your plan applies at this office.

Do I have to pay anything at the front desk if I have dental insurance?

It depends on the visit and your plan. Many preventive visits (cleaning, exam, X-rays) are covered at 100 percent under most PPO plans with no copay due. Restorative visits typically have a patient portion that is due at the time of service. The office gives you the estimate before treatment starts.

How does the annual maximum work?

Most dental plans, including Delta Dental, cap how much they pay per year at an annual maximum (often $1,000 to $1,500, though this varies). Once you hit the cap, you pay 100 percent of further covered services until the plan year resets. Splitting larger treatment across two plan years often gets two annual maximums applied. The front desk can plan timing if a treatment plan can be staged.

Do you accept Delta Dental Smiles for Kids (TennCare)?

The office files claims with most commercial dental plans. Coverage for Delta Dental Smiles for Kids (TennCare's dental program for children) varies by year and by provider contract. Call (423) 396-4222 with the specific plan type on the card and the office will verify before the appointment.

What if my plan does not cover something I need?

A treatment plan with line-by-line cost breakdown is given before any work that is not fully covered. Patients can phase care over multiple plan years to use two annual maximums, use the $125 new-patient exam-plus-X-rays special for family members without coverage, or use CareCredit financing. Nothing is billed without prior agreement.

Can I bring my family even if some of us have insurance and some do not?

Yes. Many families have mixed coverage. The office bills insurance for the covered family members and uses the new-patient exam-plus-X-rays special ($125) or the new-patient exam-plus-X-rays-plus-cleaning special ($199, healthy mouth required) for family members without coverage. The two specials cannot be combined with insurance, so they are separate from the insurance billing.

Schedule Your Appointment Today

Call (423) 396-4222 to verify your dental insurance and book a time that fits your schedule. The front desk can pre-verify your Delta Dental benefits before you arrive so you know what is covered. Walk-in visits are accepted for emergencies, though scheduling is faster.

Peterson Family Dentistry. 9325 Apison Pike #119, Ooltewah, TN 37363. (423) 396-4222.