Financial & Insurance FAQ

Do you accept my dental insurance?‍

We accept most major PPO dental insurance plans. Please provide your insurance information before your appointment so we can run complimentary verification of your insurance to minimize any surprises. While we are happy to file your claims, please note that your plan is a contract between you and your insurance company.

Do you take HMO or Medicaid plans?‍

We do not take HMO or Medicaid plans because we cannot provide the quality of care we are pursuing with those plans.  However, patients with PPO out-of-network benefits are often able to receive reimbursement for a portion of treatment costs.

Will you file my insurance claim for me?‍

Yes! Our team electronically submits all claims on your behalf to help you receive your maximum benefits quickly.

How much will my insurance cover?‍

Coverage depends on your specific plan and the procedure. Most preventive services (cleanings, exams, X-rays) are covered 80–100%, while restorative and major services are partially covered. We’ll provide an estimate before treatment.

Why does my insurance not cover certain procedures?‍

Dental insurance is designed to help offset the cost of care, not cover everything. Some procedures are considered elective or cosmetic and may not be covered.

What if my insurance doesn’t pay what I expected?‍

Insurance estimates are based on information provided by your carrier, but final payment amounts are determined by your insurance company. Any remaining balance is your responsibility.

When is payment due?‍

Payment is due at the time of service. For larger treatments, we’ll review your financial options beforehand.

What payment methods do you accept?‍

We accept all major credit cards, debit cards, HSA/FSA cards, cash, and personal checks.

Do you offer payment plans?‍

Yes. We offer flexible financing options through partners such as CareCredit or Cherry to make treatment more affordable.

Do you offer discounts for patients without insurance?‍

Yes! We have an in-house membership plan that provides discounted fees on preventive care and reduced rates on other treatments. Please contact us if you are interested in finding out more.

What happens if I miss a payment or have an unpaid balance?‍

We’ll send friendly reminders, and our team will work with you to find a manageable solution. However, unpaid balances may be subject to finance charges after a grace period.

Can I get an estimate before starting treatment?‍

Absolutely. We always provide a written treatment plan with itemized fees and estimated insurance coverage so you know exactly what to expect.‍

Do you send pre-authorizations to my insurance?‍

Yes, for larger or complex cases, we can submit a pre-authorization so you’ll have a clearer idea of your out-of-pocket cost before beginning treatment. Also, we cal also help with 3rd party financing to arrange payments.

Why is there a balance even though my insurance said they’d cover it?

‍Insurance companies sometimes downgrade to provide the least expensive alternative procedure as a choice of treatment or apply coverage limits. The difference between their “allowable amount” and our actual fee becomes your responsibility.

What if I have two insurance plans (dual coverage)?‍

We can coordinate benefits between both carriers. Typically, your primary plan is billed first, and the secondary may cover part of the remaining balance. We will help submit claims for both insurances on your behalf as a complimentary service to our patients.