Payment & Insurance

About Dental Insurance

Our staff is pleased that you have insurance benefits to help you with the cost of your dental care. We always want to help you obtain the maximum use of these benefits. With this in mind, please read the information on our insurance claims process so that we can work together to ensure this benefit.

As a convenience to you, we will file your insurance claim, but your account is your responsibility. The services we provide are to you, not your insurance carrier, and our relationship is with you. The insurance carrier has a relationship with you, as well, but we are not engaged in a relationship with your insurance company.

Insurance coverage varies. Some policies cover as little as 30%, while others pay as much as 80 or 100%. Every dental insurance policy has a provision that limits payment by the insurance company for covered services.

The type of services covered and the dollar amount assigned to them are determined by the plan purchased by you or your employer. Feel free to call our dental office in St. Louis, MO if you have any questions. A simple phone call can prevent misunderstandings.

Do you accept my insurance? How much will they pay?

We currently accept all private insurance plans (plans that do not require you to select a dentist from a list or require our office to accept reduced fees for services). This means that we work with literally thousands of companies. Due to changes in policies, it is impossible to give you guaranteed quotes of their payments. We can estimate your portions based on past payment histories, but it is only an estimate. If you would like to know exact insurance benefits, we can file a "pre-treatment authorization" with your insurance company. This will delay treatment but will give you the exact out of pocket figures you may require.

I thought I paid my portion but I got a bill...why?

We base the patient portion of your bill on our most current data but there are many factors that can affect this estimate. There may be a deductible (individual or family). Sometimes you may have seen a specialist for care, which uses up part of your annual benefit. Insurance companies do not notify us of changes to your benefits. They will only notify you. Please let us know of any of these changes.

Insurance did not pay...now what?

We submit your claims as a courtesy. If your insurance does not pay then it is your responsibility to make payment in full for services performed for you. Insurance is a contract between you and the company. Our office is not part of that contract. Ultimately, you are responsible for all charges incurred in our office. We accept MasterCard, VISA, and Discover.

We welcome you, your family, friends, and coworkers to experience state-of-the-art dentistry, excellent clinical care, and superb customer service. Call our St. Louis dental office at (314) 567-5612 if you have any other questions or would like to schedule an appointment. Our Creve Coeur, MO dental office is conveniently located for patients throughout the St. Louis area. We welcome the opportunity to give your smile life!