Financial Policy
Our office wants all our
patients to be able to comfortably afford dental care. We proudly offer
the following financial policy so that our patients can have the opportunity to
decide which payment option best suits your needs:
Insurance:
Our office will gladly work with you to help get the maximum benefit available
to you. We accept most major insurances. However, most dental
insurance plans do not cover 100% of your cost of treatment. Because of
this, you will be asked to pay your deductible and your co-payment for the
charges on the day the service is rendered. Also for all treatment
under $100, excluding preventive treatment, you will be asked pay in full.
We will estimate as closely as possible your coverage, but we can make no
guarantee of any estimated coverage. Because the insurance policy is an
agreement between you and your insurance company, the ultimate responsibility
for all charges lies with you. If after 60 days the insurance company has
not paid on the claim, you will be responsible for the total balance.
If you would like to know that
exact amount of insurance coverage and your co-payment for the treatment
proposed, a pre-estimate claim will be submitted to the insurance. We will
not start the treatment until we receive insurance's pre-estimate back, and the
process takes about 4 weeks.
Payment Options:
-
Cash or Check. We
are happy to offer a 10% pre-payment courtesy for all treatment plans paid
in full in advance of treatment.
-
Credit Card. Our
office accepts VISA and Mastercard. Unfortunately, we do not accept
American Express and Discover.
-
PAC. Direct
drafting of your checking account once per month. A 50% down payment
on your balance is required with the balance paid out no longer than 12
months with a minimum payment of $50.00 per months.
-
Third-Party Financing.
Option 1 --
Health Care
Credit Line -- A
dental credit card that allows you make no payment with no interest for 90
days. The interest after 90 days is 19.15%. This can be applied
for through our office or online at
http://www.healthcarecreditline.com/inside/patient1.html.
The application is called in from our office and we usually know within an
hour if the applicant is approved. This is a 90-day interest-free
credit card with payments being made directly to the financing company.
Option 2 --
CareCredit -- For treatment
over $1000, we offer payment plan from CareCredit to patients with good
credit standing. No initial down payment and up to 12 months
interest-free are offered. Please consult with our receptionist for
detail or apply online at
www.carecredit.com.
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