Finance Options

FINANCIAL MENU

A) Prepay Courtesy (for fees over $1,000)
A prepayment courtesy of 5% will be subtracted from the total patient obligation (not from any portion due from insurance company) if the patient obligation is paid in full prior to the first treatment visit.

B) Dental Fee Plan (for fees over $1,500):
With fast approval over the phone from Dental Fee Plan, your payments can be much lower than those available through our office. Dental Fee Plan specializes exclusively in helping patients with larger dental cases to do the treatment they want. DFP carries fixed rates between 9.9% and 11.9% and can extend terms out to 60 months. There is no prepayment penalty. We will assist you in contacting them from our office.

C) American General Finance Company ( for fees over $300)
Allows you to spread payments out over 12 months with no interest charges. Approval is fast and begins by filling out a simple application. There is no prepayment penalty. We will assist you in contacting them from our office.

D) Pay as You Go ( for fees under $250)
Any time your treatment is under $250 or the portion you owe after insurance payment is under $250, we will ask you to pay that on the day treatment begins.

FORMS of PAYMENT and BALANCES DUE
In order to facilitate access to the very best health care possible, you may choose from any of the following (including any combination thereof): Cash, Visa, MasterCard, American Express, Discover, Money Order, Personal Checks, American General or Dental Fee Plan (see above). Balances over 60 days will incur a finance charge of 18% APR.

INSURANCE
It is our pleasure to assist you in maximizing your insurance benefit by completing your claim forms. If your carrier is up to date (in over 70% of the cases), the claims will be transmitted via computer modem before the end of the treatment day! As a courtesy, in addition to filing the claim, if you prefer we will initially ask you only for your estimated co-payment. Please understand that this is only an estimate, and is based upon the information available to us.

The range of benefits depends solely on what your employer wishes to purchase. Some plans cover as little as 30% or as much as 100% of dental services, with most falling in the 40% to 80% range.

Some plans base the amount of benefit on a schedule of fees arbitrarily developed by insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your dental plan. For example, if you plan states that it will pay 80% of the cost of a specific treatment, it means 80% of the fee arbitrarily determined by the insurance company and not the actual fee charged by our office. The financial obligation for dental treatment is between you and our office, The insurance company is responsible to you, and not to our office. We will assist you in any way that we can (including our brand new high tech “electronic claims submission”). Once your carrier has paid the claim, any difference will be due upon receipt of our statement. If for any reason, we have not received your insurance carrier’s payment 90 days after the claim, the remaining balance will be due and payable by you.

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