Patient Information
Insurance & Payment Options
We are a fee-for-service practice. That means we are not contracted with any insurance company, so your treatment decisions are based on your health goals, not a coverage table. We collect payment at the time of service and, as a courtesy, file your claim so your out-of-network benefits still work for you.
The short version
- We choose to remain out of network so your care is guided by what you need, not by an insurance contract.
- We still welcome your PPO benefits and file your claim paperwork for you, so reimbursement is as simple as possible.
- You get a written estimate before treatment begins. No surprises at checkout.
What being out of network means for you
Out of network does not mean your insurance is useless here. It means we have chosen not to sign a contract that limits the time we spend with you, the materials we use, or the treatment options we can recommend. Most PPO plans still reimburse out-of-network care. The difference is that payment is made to you or applied to your account, and your care is directed by your needs rather than by an insurer's fee schedule.
Your benefits still apply
Most PPO plans reimburse for out-of-network care. We file the claim so you do not have to.
Your time is not rationed
Insurance contracts set the pace of care in a lot of practices. Ours are set by what you need.
Materials are our choice, not theirs
Biocompatible materials, ceramic options and the protocols we use are chosen clinically, not by a coverage table.
You know the number first
We give you a written treatment plan and estimate before anything is scheduled.
Your benefits are still welcome here
Even though we are out of network, most PPO plans include out-of-network coverage. We handle the claim paperwork for you and submit electronically to your carrier so you can maximize any reimbursement your plan allows.
and most other major carriers
Reimbursement depends on your specific plan, remaining annual maximum, and deductible. We verify your benefits before treatment and give you a written estimate of what your plan is likely to pay, but the final decision belongs to your insurance carrier.
Ways to pay
- Cash
- Check
- All major credit and debit cards
- HSA and FSA cards
- CareCredit, Cherry, Lending Club and Proceed Finance
Payment is due at the time of service.
Financing and payment plans
For larger treatment plans, several of our patients spread the cost over time. We work with four financing partners, and the front desk can walk you through which one fits your situation.
CareCredit
Short-term interest-free plans and longer-term options for larger treatment.
Cherry
Quick approval with a soft credit check that does not affect your score.
Lending Club
Longer repayment terms for extensive treatment plans.
Proceed Finance
Extended terms designed for full-mouth and implant cases.
Applying does not commit you to treatment, and most decisions come back in minutes.
No dental insurance?
A little over half of our patients do not carry dental insurance, and they are not paying more because of it. Our membership plans cover your preventive care for the year at one predictable price, with member savings on any treatment you choose.
See Membership PlansInsurance and payment questions
Questions about cost?
Call us before you book. We would rather answer the money questions up front than have them come up in the chair.