Financing & Insurance

Thank you for choosing us as your healthcare provider. We are committed to your treatment success. Please understand that payment of your bill is considered part of your treatment.

Payment is due at the time services are rendered.

For your convenience, we accept:

Cash and Checks: A 10% discount is offered for full payment on the day of service with cash or check.

Cherry: Application assistance is available at the front desk.

CareCredit: 6 or 12 months no interest programs or 24+ months with APR (which may vary)

Discover, Visa, Mastercard and American Express.

Please inform the front office as to what form of payment you will be using.

For patients with insurance coverage:

A 40% deposit will be collected at your treatment appointment. We may accept insurance benefits for your treatment. However, we do require 40% of the cost of treatment to be paid at the time of service.

The balance is your responsibility whether your insurance company pays or not. As a courtesy, we will be happy to file your claim for you if you present your dental insurance card. We cannot bill your primary insurance company unless you give us your complete insurance information on your initial visit. Our practice is committed to providing the best treatment for our patients and we charge for what is usual and customary for our area.

We do not bill any secondary insurance. We can provide you with all the necessary documentation to be submitted by you.

We will not pre-verify your insurance coverage or your specific plan’s benefits before providing treatment. 

If you fail to provide your accurate insurance information when receiving treatment, you will be responsible for paying in full and submitting a claim to your insurance company, acting as your own billing agent to get reimbursement from your insurance company.

Your insurance policy is a contract between you and your insurance company.

We are not a party to that contract.

We are not a network provider for all insurance plans.

Insurance company’s verification of coverage does not guarantee payment.

If your insurance pays MORE than the estimated amount, a refund check will be mailed.

If your insurance pays LESS than the estimated amount, you will receive a billing statement from this office. We usually do not send monthly statements, so prompt attention is greatly appreciated!

(Note: If your insurance company does not reimburse us after 2 submissions, you will be responsible for the remainder of the balance.)

Finance Charges:

If your insurance company has not paid your account in full within 45 days, the balance will be automatically transferred to your account. It is the patient’s responsibility to know, understand and track their insurance benefits, deductibles and maximums.

If I do not pay the entire balance within 60 days of the original billing, a finance charge will be added to the account.  The finance charge is computed at a periodic rate of 1.25% monthly (annual percentage rate of 15%) on any unpaid balance over 60 days.  Any accounts over 60 days will be considered for referral to a collection agency. Civil penalties may apply. In the case of default on payment, I promise to pay any legal interest on the balance due, together with all third-party fees incurred to affect the condition of this account or further outstanding accounts. A fee of $30 will be charged for all returned checks.

Collections

Any account that has not received payment in full after 60 days will be handed over to a collection agency that will pursue the responsible party for reimbursement. This will negatively impact on your credit history and limit the treatment you can receive at our office. Thank you for understanding our financial policy. Please let us know if you have any questions or concerns. We look forward to providing the highest quality endodontic care in a caring atmosphere.