Financial Policy

We treat all patients equally. Payment is collected at the time of treatment, but if you have dental insurance - that is great - we will submit your claim for you so that you can receive reimbursement for the amount your plan allows. Since half of our patients have dental insurance, we are well versed in how to maximize your benefits.

Financing

• - Pay by cash, check, and all major credit cards
• - Health Flexible Spending Accounts accepted

Dental Insurance Benefits

We are an "out-of-network provider" with all dental insurances. If your insurance plan allows for "out-of-network" benefits, we will electronically submit claims on your behalf to maximize your receipt of benefits. Insurances with "out-of-network" coverage typically reimburse at similar or slightly higher rates than "in-network" but there may also be a higher copay ("co-insurance") when seeing and "out-of-network" dentist. Some plans still reimburse preventative treatment (cleanings, checkups, etc) 100%. You may refer to your plan terms for coverage rates or we can request a pre-treatment estimate for you.

Our staff is knowledgeable in navigating the complex world of dental insurance. We are able to request your specific insurance terms, remaining benefits and acquire a pre-treatment estimate of benefits prior to dental procedures. Please provide us with your up-to-date insurance information and inform us if your policy or insurance company changes.

Dental insurance is technically not insurance (i.e. medical insurance). It is a benefit determined by a contract between your employer and an insurance company. This employee benefit, usually replenished annually by a fixed amount, can be applied to certain dental procedures. The specific allocation of your benefits or amount of money that can be applied to a procedure is determined by a negotiation between your employer and an insurance company, over which our dental practice has no control.

Private Dental Insurance

Private dental plans are purchased by you without assistance from an employer and so tend to cost significantly more. When determining if you should purchase a private plan, consider how frequently you tend to need dental work. Look at the annual plan cost and compare to the cost of 2 cleanings/exams per year and one set of xrays. Consider the cost of a filling or two or crown work. Most annual payouts are between $1-2,000 maximum. Most private plans have a waiting period before they can be used toward dental procedures. Consider all of these factors before shopping for a plan. We can help advise you based upon your needs.

*Please be aware that we cannot process HMO or DMO insurance plans.