Flexible Financing & Detailed Payment Policy

For your convenience, we accept Visa, MasterCard, and CareCredit. At Dental Expressions, we are committed to delivering the highest quality dental care at a reasonable cost. Payment is due at the time services are rendered, unless other arrangements have been made in advance. If you have any questions regarding your account, we encourage you to contact our office. Many billing concerns can be easily resolved with a quick phone call. Please note: You are fully responsible for all fees charged by this office, regardless of your insurance coverage.

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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:

  • Most plans cover 40%–80% of treatment costs

  • Some plans cover as little as 30% or as much as 100%

  • 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.

  • We are not part of any HMO or provider-restricted plans

  • In over 80% of cases, patients still have the freedom to choose their own dentist

  • We will complete and submit all claim forms on your behalf

  • 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.

  • Monthly statements are provided

  • Most insurance companies respond within 4–6 weeks

  • Any remaining balance after insurance payment is your responsibility

Important Timelines

  • Insurance delays over 90 days: The remaining balance becomes due while we continue working with your insurer

  • 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)

  • 50% due at the first visit

  • Remaining balance split into two equal payments at 30 and 60 days

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.

Frequently Asked Questions (FAQ)

Do you accept my insurance plan?

Our office is very up to date on dental insurance and can look up your provider by your employer name using a national insurance database. While we are not part of any provider or HMO plan, in most cases patients still have the ability to choose their own dentist. We will do our best to help maximize your benefits.

Will you file my insurance claim for me?

Yes. We complete and submit all necessary insurance claim forms on your behalf. When possible, claims are transmitted electronically before the end of your treatment day.

Am I responsible for fees not covered by insurance?

Yes. You are fully responsible for all fees charged by the office, regardless of insurance coverage. Any balance remaining after insurance payment is your responsibility.

Do you offer payment plans?

Yes. Monthly payment arrangements and other financing options are available, but they must be set up and agreed upon before treatment begins.

We are here to help clear up any misunderstandings.

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Flexible Payment Options for Your Dental Care

Quality dentistry should be accessible — we make it easier to get the care you need, when you need it.

Card & Pay-As-You-Go Payments

With your permission and signature, we can set up a pre-authorized monthly charge on your Visa or MasterCard for an agreed amount—no additional credit application required. You may also choose to pay at each visit using cash, check, or credit card.

Split Payments & Financing

Our financing and split-payment options help make comprehensive treatments more affordable by spreading costs over time.

Dental Insurance

We accept most dental insurance plans and work closely with your provider to help you receive the maximum benefits available. Our team handles insurance coordination and explains coverage clearly, so there are no surprises.

Also available:  Gradual Treatment Plans for patients on a limited budget

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