Dental Payment Options

Payment Options - We accept checks, cash, Visa, and Master Card.  12-MONTH INTEREST FREE FINANCING  is available through programs like Care Credit services. We are happy to file insurance for your reimbursement as long as you are free to choose your own dentist.

Financing Options - Care Credit makes elective dental procedures affordable for any budget.  Care Credit gives you the freedom to get your procedure whenever you’re ready. It’s easy to apply to Care Credit. With three simple steps, including an instant approval process, you can say goodbye to the waiting time and reward yourself sooner. Click the link below to begin your Care Credit application.

CareCredit® Dental Financing: We offer flexible payment options / So you can get the care you want or need

We will be glad to discuss both of these  third-party credit options…..Call us now at 866-816-0967

Insurance - We accept most traditional insurance plans. We are participating providers with the following dental insurance companies: 

> Aetna PPO
> Anthem Complete
> Anthem Grid+
> Anthem Federal Plans
> Assurant
> Careington
> Cigna Radius
> Cigna PPO
> Connection Dental Plans
> Delta Dental Premier
> Dominion Dental
> GEHA Federal Plan
> Guardian
> Humana PPO
> Humana Access
> MET LIFE
> Principal
> United Concordia (UCCI)
> United Health Care

What does my insurance pay for?  - Our office participates in a variety of Group Dental Plans to include Delta Dental and many others.  Since each Group Plan is unique in coverage offerings, we ask that you call us today and any one of our Insurance Specialists will be glad to define and discuss YOUR specific coverage.  

Why doesn't my insurance cover all the costs for my dental treatment? - Dental insurance isn't really insurance (defined as a payment to cover the cost of a loss) at all. It is a monetary benefit, typically provided by an employer, to help their employees pay for routine dental treatment. Most plans are only designed to cover a portion of the total cost.

But my plan says that my exams and other procedures are covered 100 percent! - That 100 percent is usually what the insurance carrier allows as payment toward a procedure, not what your dentist or any other dentist in your area may actually charge. The allowed payments are sometimes referred to as UCR or "usual, customary, and reasonable" charges. However, UCR more typically represents a list of payment amounts negotiated between your employer and the insurance company. An employer usually selects a plan with a list of payments that corresponds to its desired premium cost per month. Therefore. there usually will be a portion not covered by your benefit plan.

If I always have to pay out-of-pocket, what good is my insurance? - Even a benefit that does not cover a large portion of the cost of what you need, pays something. Any amount that reduces your out-of-pocket expense helps.

Why is there an annual maximum on what my plan will pay? - It is your dentist's responsibility to recommend what you need. It is the insurance carrier's job to control payments. Dental plans are different from medical plans, in that dentistry is needed frequently. Most dental plans have annual maximums and exclusions. These are negotiated between your employer and the insurance company.

If my insurance won't pay for this treatment, why should I have it done? - It is a mistake to let benefits be your sole consideration when you make decisions about dental treatment. People who loose their teeth often say that they would pay any amount of money to get them hack. Your smile, ability to chew and enjoy food, self-confidence,  and overall general health is directly linked to your dental health.  

What should I do if my insurance doesn't pay for treatment I think should be covered? - As your dentist, I do not have the power to make your plan pay. If your insurance doesn't pay, you are responsible for the total cost of treatment. Sometimes a plan will pay if patients send in claims for themselves, or if the Employee Benefits Coordinator where the patient works steps in. We will gladly give copies of whatever you may need.

Dental insurance issues are really the patient's problem. However, our office keeps our patients happy by providing assistance with their benefits. We will be glad to help, but our office cannot take on the total responsibility.

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Oyster Point Dentistry teams with Board Certified Medical Doctors