Insurance Information


Our insurance coordinators deal with many different insurance companies. Some companies offer many different dental and medical plans. These companies can change benefits, co-pays, and deductibles many times throughout the year. We do our best to provide you with accurate coverage estimates based on information available to us. At times, it is almost impossible to accurately estimate a patient’s insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. Dealing with these companies can be difficult and time consuming. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance is current.

Although we will gladly file a claim on your behalf, you may wish to submit the claim yourself. In general, insurers process claims filed directly by patients faster than those filed by the service providers (dental offices).

Further, most dental insurance policies are limited and often only pay for a portion of the procedure(s) that may need to be done.


We are currently contracted with Guardian, Healthchoice and Delta insurance companies. We will be happy to file any insurance for you. Full payment is expected at the time of service. For those patients with Guardian, Healthchoice or Delta, we may collect only your estimated portion of the procedure fee. It is important that you realize this is only an estimate and you may be billed for any portion that your insurance does not cover.

HMO Patients

If a patient comes to us with a problem that they expect to be covered by medical insurance (biopsies, tumors, TMJ, infections), they must have a referral from their primary care physician. A referral from a dentist is not adequate for medical insurance coverage. Obtaining a medical referral is the patient’s responsibility. We cannot obtain the referral for you and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.

Private & Group Insurance

As a courtesy to our patients with medical and/or dental benefit plans, we will submit necessary claim forms, receipts, and other information to your insurance company.

For patients with participating insurance companies, upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.

For patients with non-participating insurance; your insurance company will reimburse you directly. You will receive a check directly from your insurance company. If your insurance company mistakenly sends a check to us you will be promptly reimbursed.