Payment Policy

We believe that a clear understanding of our payment and billing policy will benefit both you and us.

Payment is due when services are rendered. When payment is made at that time by cash or check, we experience a savings in bookkeeping and collection costs. We can, therefore, pass along these savings to you in the form of a 2% reduction in the fee. However, if payment is made by credit card, we are unable to reduce our fee due to the fee charged to us by the bank that processes the charges.

Billing

All unpaid balances will be billed at the end of each month, to be paid within 30 days. If payment has been made by an insurance company, any remaining balance will be billed to the patient with payment due within 30 days. (No bills will be sent for amounts pending insurance company payment.)

All balances not paid within 30 days will incur a finance charge of 1.5% per month or a minimum charge of $2.00 on balances under $134.00. The annual percentage rate is 18%.

Multi-Visit Treatment

For services which require multiple visits for completion of treatment (e.g., crowns, bridges, root canals), we offer 2% off the entire fee if full payment is made at the time the work is begun.

Long-Term Payment Plan Options

When large, complex plans of treatment are begun, we will provide you with a written estimate of the costs. To assist you in receiving such care, you can enter into an agreement with CareCredit. CareCredit is a patient financing program that offers a range of No Interest and Low Interest Payment Plans to patients. Ask Carol about how you can get approval while in our office to pay for your dental treatment with convenient, low monthly payments.

Insurance Policy

We will be glad to prepare an insurance claim for you to submit to your insurance company for reimbursement of your expenses. Alternatively, we will accept payment directly from your insurance company. However, in order to submit such claims, we must have, within 10 days of the office visit, an insurance information form signed by you and providing us with complete information about your coverage. Otherwise, we must bill you directly; you may then request reimbursement from your insurance company.

In any case, you, the patient, are ultimately responsible for all charges incurred. Unfortunately, we experience additional costs and expend additional effort to file insurance claims and ensure their collection, which prevents us from offering any kind of fee reduction where insurance is involved.

Most insurance claims are paid within 30 days of submission. However, if no payment is forthcoming after 60 days have elapsed, we will bill you directly and request that you work with your insurance company to obtain reimbursement for yourself. Of course, if we should ever receive an insurance payment after you have paid us, we will repay you for any amount greater than your account balance.

Feel free to ask for further details about payment and insurance that you would like clarified.