Insurance

We understand that the cost of even the most basic dental care may be prohibitive for some of our patients. However, we believe that no patient should have to forgo dental treatment because cost is a concern. We offer convenient financing vendors and payment options so that even the most advanced dental treatments are affordable for each of our patients. We also make every effort to fully inform patients of the cost of treatment before we begin a procedure, so patients will never suffer “sticker shock” when they receive their bill.

"In-Network" Fees and Coverage

If you have an in-network insurance plan, this means that your treating doctor has a written contract with the insurance company, accepting the insurance’s discounted fees for treatment. This means instead of charging our original fees, we charge the contracted fees negotiated with the contracted insurance company. Every insurance plan covers different categories of treatment at certain percentages. For example, they may cover 100% for cleanings but only 50% for a filling. The contracted fee and percent coverage determine the patient’s out-of-pocket cost.

We are “in-network” with the following insurance plans:

  • Aetna
  • Ameritas
  • Assurant PPO
  • Anthem Blue Cross
  • Cigna PPO / Cigna SBC
  • Delta Dental DDP/Tricare/Premier
  • Guardian PPO
  • Metlife
  • Principal PPO

"Out-of-Network" Fees and Coverage

Out-of-network insurance plans include any PPO plan not listed above. They are based off of our UCR (usual, customary and reasonable) fees and not the insurance’s individual fees they allow for each procedure. They too cover different categories of treatment at certain percentages; however, they cover a percentage of their fees and not our UCR fees. This means if they cover 50% of a procedure, they would pay out 50% of their allowable fee even though our UCR fee is billed. For example, our UCR fee for a filling may be $100 but their allowable fee might be $50, meaning they would cover 50% of $50, or $25, out of the total $100 billed. The patient would then be responsible for the difference equivalent to $75.

Other Payment Options

For patients who have little or no dental insurance coverage, flexible payment programs can be arranged through us or through dental financing companies. If you have no insurance or do not have dental benefits, there is still a way for you to receive dental care. We do offer the following convenient payment options, but please don’t hesitate to contact our office if you have any questions. Remember, we will work with you to help you get the dental care you need!

  • Cash
  • Visa
  • Mastercard
  • Discover
  • American Express
  • Check
  • CareCredit
  • Flex Spending Cards /HSA Cards for necessary treatment (please check restrictions with your plan)