Financial Policy

America’s Family Dental accepts cash, checks, Visa, MasterCard, American Express and Discover. Payment is due at time of service.

Financing is available through CareCredit.

We will gladly process your insurance forms for you, however, the balance is ultimately the responsibility of the patient.

Facts You Should Know About Dental Insurance
Dental insurance is rapidly playing a role in helping people obtain dental treatment. Since we strongly feel our patients deserve the best possible dental care we can provide and in an effort to maintain a high quality of care, we would like to share some facts about dental insurance with you.

Fact #1:
You may receive a letter from your insurance company stating that dental fees are higher than usual and customary. An insurance company surveys a geographic area, finds the average fee, and then takes 90% of that fee and considers it customary. Included in the fee survey are discount clinics, which will bring down the average. Any doctor in private practice will have fees that are considered higher than average.

Fact #2:
Dental insurance is not meant to be a PAY ALL, it is only meant to be an aid.

Fact #3:
Many plans tell their insured that they will be covered "up to 80% or up to 100%," but do not clearly specify plan fee schedule allowance, annual maximum or limitations.

Fact #4:
It has been the experience of many dentists that some insurance companies tell their insured that "fees are above the usual and customary fees" rather than saying "our benefits are low."

The amount your plan pays is determined by how much your employer paid for the plan. The less that was paid for the insurance, the less you will receive. Remember you get back only what your employer puts in, less the profits of the insurance company.

Fact #5:
Insurance carriers do NOT cover many routine dental services because they were not written into the contract. The contract has nothing to do with your needs.

If you have any questions regarding your insurance, we ask that you contact your company regarding the specifics and details of the plan it is conducting in your behalf.

Please do not hesitate to ask us any questions about our office policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have any questions regarding our services and/or fees. We will file your insurance claims at no charge. We will do all we can do to assure you of maximum benefits.