Insurance/Financial

Insurance

We are happy to file claims with all insurance companies, including secondary insurance. We are currently a Preferred Provider for Cigna Dental, though that will be ending November 1 (Please see our separate blog post on PPO’s).

If you have insurance, we will help you determine the coverage you have available.  We ask that you assign your insurance benefits to us unless it is a Medicare Advantage Plan.  Delta Dental of Missouri, and some other state Delta plans, will not allow assignment of benefits to the provider’s office unless it is Delta Provider no matter the patient’s wishes. Some Delta plans do allow for assignment of benefits. While we still file with Delta, if checks go to the patient, arrangements for you to pay the balance will be arranged as listed under Financial Policy.

Professional care is provided to you, our patient, and not to an insurance company.  We will help every way we can in filing your claim and handling insurance questions from our office on your behalf, but your are the responsible party to us, not your insurance company.

Keep in mind that most insurance companies emphasize coverage at a minimal level; often times for less than high quality dentistry.

Financial

In order for us to provide excellent service, our practice must also be a successful business.  This means we must charge fair fees and collect them.  You can help us keep our costs down by paying for services in one of the following ways:

1. Payment is expected at time of service.  We accept cash, check, Visa, MasterCard, and Discover.
2. 50% deposit at impression for crowns, bridges, dentures and partials, balance due on insertion, normally 2 weeks later.
3. 5% credit when the patient’s portion is over $700.00 if paid in full in CASH/CHECK at the time of treatment (2% if paid by charge card.)  Discount applies to regular office fees only, not to PPO fees since they are already discounted.
4. No interest monthly payments with an approved credit account through Care Credit for amounts over $300.00.