Finance / Insurance

We Accept All PPO Insurances

As a courtesy to you, our office will file your insurance. To minimize your wait time, we recommend providing your insurance information before your child’s appointment. Furthermore, it will help if you are familiar with your insurance benefits, as we will collect the estimated amount insurance is not expected to pay (co-pay and/or deductible). By law, any procedures not covered by your dental insurance can be collected at the dentist's usual and customary fee instead of the insurance's contracted amount. We accept cash, personal checks, debit cards, Visa, MasterCard, and Discover. For your convenience, we also provide third-party financing through CareCredit. We cannot be held responsible for how your insurance company handles claims or for what benefits they pay on a claim or rule not to cover. We will always work diligently to assist in estimating your portion of the cost of treatment but are unable to guarantee what your insurance will reimburse for each claim.

Benefits are not determined by our office. Dental insurance is meant to be an aid in receiving dental care. Many patients think dental insurance pays 90% - 100% of all dental fees. This is incorrect. Most plans only pay between 50% - 80% of the average total fee. The percentage is usually determined by what plan your employer has negotiated with your insurance carrier.

You may have noticed that often your dental insurer reimburses the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee (UCR) used by the company. A statement of this nature gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what dentists in the area charge for a certain service. This is not accurate and can be very misleading.

Insurance companies set their fee schedules, and each carrier uses a different set of fees they consider allowable. These fees vary greatly. These allowable UCR fees are often outdated and do not reflect the current UCR fee. As a result, insurance companies can make an additional 20% - 30% profit. Unfortunately, insurance companies imply your dentist is "over-charging" rather than saying they are "underpaying" or that their benefits coverage is minimal.

Payment for professional services is due at the time of treatment. Our office will work with you to form an effective treatment plan that will fit your financial needs. Our goal is to provide your child the best possible dental care. We accept cash, personal checks, debit cards, and major credit cards. For your convenience, we also provide third-party financing through CareCredit.