Financial & Insurance

financial-formsIn the interest of good dental care practice, it is desirable to establish a credit policy to avoid misunderstandings. Our primary responsibility is to help our patients enjoy good dental health, and we wish to spend our time and energy toward that end.

To assist our patients, we offer the following methods for taking care of their account at our office.

Payment In Full

We offer a 5% discount, when you pay by cash or check on the day of service.

Credit Cards

We accept credit cards (Visa, MasterCard and Discover), but no discount will be given, as we pay a credit card user fee.

Insurance

As a courtesy, we will gladly bill your insurance when you provide us with the current information and any necessary forms. Oftentimes we are able to contact your insurance provider prior to your appointment and estimate your portion of the bill. We ask that you either pay your portion of the bill at the time of service or that a suitable written financial agreement be reached at the time of service. Even though you may have an insurance claim pending, you will receive a monthly statement for the outstanding balance on your account. We cannot accept responsibility for collecting an insurance claim after 60 days or for negotiating a disputed claim. Insurance policies are a contract between you, your employer and the insurance carrier. You are ultimately responsible for payment of your account.

Third-Party Financing

For patients who qualify, we offer various payment plans through a third-party financing company. There are numerous payment options that will fit comfortably in almost any monthly budget. These companies offer a revolving line of credit that can be used by the whole family for ongoing treatment without having to reapply. There are no upfront costs, pre-payment penalties or annual fees to our patients.

In-House Financing

We may offer a very simple payment plan to patients of record who have demonstrated a one to two year history of good credit at our office. We do charge interest (1.5% per month) similar to a credit card, on all accounts which we are asked to carry. The maximum amount of credit we may offer you is six (6) times the amount of your chosen monthly payment. For example, if you choose to make monthly payments of $100, we would offer you and your family treatment up to $600. We would need to halt treatment on a temporary basis when you come near or exceed the credit limit that you had set for yourself. On major restorative or cosmetic work such as crowns, veneers, bridges, implants or dentures, you would be asked to pay half the cost of the treatment at the time of service.

More About Financing and Insurance

A dental benefit plan helps you pay for the cost of your dental care. Generally, a dental benefit plan is a contract between your employer or plan sponsor and a third-party insurance company. These contracts vary widely.

There are many ways in which dental plans are designed and how reimbursement levels are determined. You need to know how your dental plan is designed and its limitations.

Your dental plan is designed to share in your dental care costs. In most cases, it does not cover the total cost of your bill. Most plans cover between 50-80% of dental services, so we have several different payment options for those of you that have insurance and those of you that have no dental insurance.

CareCredit is a great way to pay for your treatment with plans as low as 0% financing up to 18 months.