Financing Options

Partial Coverage : Unlike medical insurance, dental insurance does not usually cover the total cost of your dental treatment. It is only meant to be an aid.

Coverage Percentage : Many plans tell their insured that they will be covered up to 80% or 100%. However, we have found most plans cover 40% to 50% of an average fee, regardless of what you have been told. Some plans pay more, and some pay less. The amount your plan pays is determined by the contribution you and your employer make to your dental plan.

Insurance Claims : It has been the experience of many dentists that some insurance companies tell their customers that “fees are above the usual and customary fees” rather than saying that “our benefits are low.” Remember, you get back only what you and your employer put into your insurance coverage, less the profits of the insurance company.

Plan Variations : Each plan utilized in our office has different percentages, deductibles, maximums, procedures covered, and varying fees that the plan will allow. We will do our very best to calculate as closely as possible what your insurance plan will cover. However, as we cannot estimate precisely, there may be variances for which the patient is individually responsible.

Non-Covered Services : Many routine dental services are NOT covered by insurance carriers. We make our recommendations based on your needs and not on what your insurance may or may not cover. Please do not hesitate to ask us questions about our office policies. We want you to feel comfortable in dealing with these matters.