Dental Insurance: Policy & Transparency
Our Commitment to Your Coverage
Your dental insurance plan is a form of compensation provided by your employer. While we are not a party to the contract between you and your insurance company, we are dedicated to helping you receive the maximum benefits available under your plan.
At all times, you can be confident that we will recommend and provide the best possible dental care, regardless of insurance limitations. Compromising treatment quality based on insurance restrictions would violate the trust you place in us—and that is a responsibility we take seriously.
Understanding Your Dental Benefits
Insurance reimbursement levels are determined by the contract between your employer and the insurance carrier. Coverage can vary widely:
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Most plans cover 40%–80% of treatment costs
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Some plans cover as little as 30% or as much as 100%
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Most plans include a yearly maximum benefit
Many insurance companies base benefits on a fee schedule arbitrarily created by the insurer, not on the actual fee charged by our office.
For example, if your plan pays 70% of a procedure, it means 70% of the insurance company’s allowed fee—not our actual fee.
All financial responsibility for treatment remains between you and our office.
Insurance Acceptance Policy
Our office stays up to date with insurance providers and uses a national insurance database that allows us to look up your carrier by employer name.
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We are not part of any HMO or provider-restricted plans
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In over 80% of cases, patients still have the freedom to choose their own dentist
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We will complete and submit all claim forms on your behalf
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If a claim is denied, we will help advocate for you whenever possible
For most up-to-date carriers, claims are submitted electronically before the end of your treatment day.
Financial Responsibility & Insurance Delays
Before treatment begins, we will ask only for your estimated co-payment, based on available insurance information. Please understand this is an estimate, not a guarantee of coverage.
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Monthly statements are provided
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Most insurance companies respond within 4–6 weeks
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Any remaining balance after insurance payment is your responsibility
Important Timelines
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Insurance delays over 90 days: The remaining balance becomes due while we continue working with your insurer
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Late Payment Policy: After a 60-day grace period, unpaid balances are subject to an 18% Annual Percentage Rate (APR)
Your prompt remittance is always appreciated.
Accepted Payment Methods & Financing Plans
We offer several payment and financing options to meet your needs:
Pay As You Go
Pay for each visit using cash, personal check, or credit card.
Pre-Authorized Credit Card Agreement
With your written permission, we can charge an agreed-upon amount to your Visa or MasterCard each month, allowing easy monthly payments without applying for credit.
Three-Payment Option (for fees over $1,000)
Third-Party Financing
We proudly accept CareCredit, offering low-interest and promotional financing options for procedures such as crowns, veneers, implants, and more.
Gradual Treatment Plan
For patients on a limited budget, treatment can be prioritized and spread over time, allowing care to be completed over several months or longer.
Note: All payment arrangements must be finalized before treatment begins.