Financial

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We Are Preferred Providers With Most Major Insurance Plans

The Carlson Dental Group accepts and honors most of the major dental insurance plans. In addition, we are contracted Preferred Providers for the dental insurance plans listed below.

dental insurance logos including aetna, guardian, cigna, assurant, metlife, delta dental, humana, united healthcare, principal financial group, care ington, and florida blue

Dental insurance is intended to cover some, but not all of the cost of your dental care. Most plans include coinsurance provisions and co-pays, a deductible, and certain other expenses which must be paid by the patient at the time service is rendered. Reimbursement amounts are not, and never have been, a guideline for quality dental care. Dental insurance can be thought of as a “coupon” that allows you to save on some of the costs of your dental treatment.

We can file most insurance claims for you. Please bring your insurance plan information with you on your first visit. We will be happy to perform a Complimentary Benefits Evaluation for you during your first visit. We will work with your insurance company on your behalf to ensure that you receive the maximum benefits to which you are entitled.

Insurance Basics

What’s the difference between Indemnity, PPO, HMO, & Discount insurance plans?

“Indemnity” or “Traditional” insurance reimburses subscribers (or dentists) at the dentist’s UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without being limited to dentists who are specifically contracted with the insurance company.

PPO (Preferred Provider Organization) is the most common form of dental insurance. These plans provide subscribers with a list of participating (also called: “in-network”) dentists from which to choose. The dentists on this list have agreed to a lowered fee schedule, which provides the subscriber with greater cost savings in the form of lower co-pays.

DHMO, also known as “capitated” or prepaid insurance, was designed to provide subscribers with very basic care at the lowest rate. Patients must first choose their dentist from the list of participating providers and then they are assigned to that specific office. DHMO plans may not pay for services rendered. Fees are usually greatly reduced, but the patient is responsible for paying the doctor.

Discount Plans simply consist of a list of dentists who have agreed in advance to accept a reduced fee schedule, with the subscriber being solely responsible for the entire fee at the time the service is rendered. There are no claims to file or annual maximum limits of coverage.

What’s a covered benefit?

Treatment that is recommended by a dentist, is listed on the insurance plan fee schedule, and accepted under the terms of subscriber’s insurance plan.

What’s optional treatment?

Treatment that is either not listed on the insurance plan fee schedule or more than the minimum to restore the tooth back to its original function.

Payment

Payment is required at the time of service. If you have insurance, you will be expected to pay your Estimated Patient Portion or Co-Pay for the portion of your bill that is not estimated to be covered by your insurance plan.

For the portion of costs not covered by insurance, we offer several payment options:

  • Cash, Personal Check, Cashier’s Check
  • Visa, MasterCard, American Express, Discover
  • CareCredit® Patient Financing
creditor logos

CareCredit …Your Healthcare Credit Card

We’re pleased to offer our patients CareCredit, North America’s leader in patient payment plans. CareCredit lets you begin your treatment immediately – then pay for it over time with low monthly payments that fit easily into your monthly budget.

CareCredit is the credit card exclusively for healthcare services. With no up-front costs and no pre-payment penalties, CareCredit lets you pay over time, and frees up cash and credit cards for the other things you want or need. CareCredit offers low monthly payment plans for healthcare procedures not commonly covered by insurance, including dental treatments. Plus, you can use your card again and again to pay for additional treatment for yourself or family members in any CareCredit practice.

  • Enjoy low minimum monthly payments
  • 0% interest available on most procedures
  • Pay no up-front costs or pre-payment penalties

If you have any questions about your insurance plan or payment options, please contact us at 904-262-8409 or E-mail Us.