Accepted Insurance · In-Network

We Accept Humana — Dentist in South San Francisco

Dr. Kristina Zoulas, DDS is a contracted in-network provider with Humana in South San Francisco. We accept new patients with Humana PPO coverage.

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We are contracted with Humana PPO

Westborough Dental Care is a contracted PPO provider with Humana. You will see the in-network rates your plan has negotiated, and we file the claim directly with Humana after your visit.

We are PPO-only — we are not contracted with HMO plans. Plan details and tier coverage vary, so please call us at (650) 873-6681 to verify your specific plan before your first visit.

How it works

How insurance works at our office

Three simple steps before your first visit.

  1. 01

    Step 1

    1. Call us with your insurance card

    Have your plan ID and group number handy. We verify your tier, benefits, deductible, and annual maximum directly with the carrier.

  2. 02

    Step 2

    2. We provide a written estimate before treatment

    For any major procedure (crown, implant, Invisalign) we send a pre-authorization to your insurer and walk you through the breakdown of what is covered and what your patient responsibility will be.

  3. 03

    Step 3

    3. We file the claim on your behalf

    After your visit we submit the claim to Humana electronically. You pay only your plan's contracted co-pay or co-insurance at the time of service.

Services typically covered

Coverage grades vary by plan — these are common dental insurance categories. Call us to confirm your specific benefits.

Preventative (typically 100%)

Cleanings, exams, X-rays, fluoride. Most PPO plans cover preventative care fully when you stay in-network.

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Basic (typically 70–80%)

Fillings, simple extractions, deep cleanings, root canals. Patient responsibility is the remaining share after insurance.

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Major (typically 40–50%)

Crowns, bridges, dentures, dental implants. Many plans have an annual maximum that caps total payouts each calendar year.

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Common questions about Humana

Does Westborough Dental Care accept Humana?
Yes — Westborough Dental Care is a contracted in-network PPO provider with Humana. Call (650) 873-6681 to verify your specific plan tier before your visit.
Are you in-network for HMO plans?
No — we are PPO-only. We are not contracted with any HMO dental plans. If you have an HMO plan, your insurance will likely not cover services at our office. Please contact your insurance to find an in-network HMO provider, or call us to discuss our self-pay or membership plan options.
Will my plan cover cleanings, fillings, or crowns?
Most dental PPO plans cover preventative care (cleanings, exams) at 100% in-network, basic care (fillings, extractions) at 70–80%, and major care (crowns, bridges, implants) at 40–50%. There is typically an annual maximum — once you reach it, additional treatment is patient-responsibility. We provide a written breakdown before any major treatment so there are no surprises.
What if I have a copay or deductible?
Your deductible is the amount you pay out-of-pocket each plan year before insurance starts contributing. Your co-pay or co-insurance is your share at the time of service. We collect any patient responsibility at the visit and file the claim with Humana for the insurance portion.

Have Humana? Let's verify your coverage.

Call us at (650) 873-6681 with your insurance card handy. We will check your tier, benefits, and annual maximum directly with the carrier — usually in under 10 minutes.

Call (650) 873-6681