Our Financial Policy
We completely understand our patients' desire to fit dental expenses within a household budget and we work with patients every day to help them find ways to obtain the excellent dental care they need and desire. Patients are expected to pay for treatment rendered at the time of service unless other financial arrangements have been made in advance.
We offer several payment options:
- Patients may pay by cash, check or the following credit cards: Visa, MasterCard or American Express.
- We also offer outside financing through Care Credit and Lending Club. These plans enable approved patients to spread out payments over a period of time from 6-12 months interest free. Extended payment schedules beyond 12 months carry an interest rate which varies according to promotional offerings determined by the company.
- We offer a 5% discount on total treatment plans paid by cash or check upfront at the start of treatment.
Let's Discuss Insurance...
Dental insurance is one of the more complicated and time-consuming issues we face in the office, yet we are committed to helping you by researching and verifying benefits that may be available to you. Policies vary widely in benefits provided, procedures covered and fees allowed. Even within one insurance company plans can vary greatly. In essence, the coverage available depends on what package of benefits your employer purchased on your behalf or, in the case of individual policies, what you elected to purchase for yourself.
We often get the question: Do you accept my insurance? We are happy to file ALL dental claims to ANY company as long as you are free to choose your own dentist. For most dental plans, being "in network" is not a necessity because the benefits are almost identical and our fees are so close to what major companies such as Metlife and Cigna pay that our patients have very little out of pocket expense. If you are enrolled in an HMO or DMO plan, however, you must see a dentist that the insurance company chooses for you in order to receive their dental benefits. We are participating providers for Delta Dental currently, but we file claims daily for all traditional plans such as Anthem, United Healthcare, Cigna, Metlife, Guardian, Aetna, United Concordia and many others. New insurance products are available on the market constantly and we strive to stay abreast of this rapidly changing industry on your behalf.
As a courtesy to you, we will file claims, provide necessary documentation of payment of services, and follow up on outstanding claims on your behalf provided you supply us with correct, up-to-date information on your existing policy. We make every effort to help you maximize and understand your benefits. However, because insurance companies often provide incorrect information, refuse to guarantee payment for anything and make changes to benefit plans without prior notification, we cannot be held responsible for what your plan ultimately pays. We realize the world of insurance is confusing and are happy to help you navigate it, but it is ultimately your responsibility to know your benefits. In every case, insurance is a contract between you and your insurance company. Our goal is to offer the best dental care available. Our doctors and hygienists recommend treatment based on the health and needs of each individual patient, not according to what an insurance company pays.
Many of our patients have no dental insurance benefits. Treatment plans are always determined based on the needs of the patient regardless.
We take the time to listen to what you want or need. While many offices have gone corporate, we prefer to stay "family" in order to build a trustworthy relationship that will endure and be able to serve you well as you establish and keep a healthy mouth for a healthy lifetime.
Whenever you have questions or concerns, please feel free to ask Susan or Shoshanah for help.
CareCredit is here to help you pay for treatments and procedures your insurance doesn’t cover. We offer No Interest* financing or low minimum monthly payment options so you can get what you want, when you want it. You can even use CareCredit for your family and favorite pet.
With three simple steps, including an instant approval process, it’s easy to apply for CareCredit. After you’re approved, you’re free to use CareCredit for the services you choose including dentistry, LASIK, veterinary, cosmetic, hearing aids and more.
CareCredit is endorsed by some of the most credible organizations specific to each healthcare profession we support. And CareCredit is a GE Money Company, so you know you can count on us. For over 20 years, we’ve been helping over five million cardholders get the healthcare treatments they want and need.
Now you don’t have to worry about saving up for the procedures you want and need. With CareCredit, the decision’s in your hands to get what you want, when you want it. For more information or to apply online, visit carecredit.com