Financial Information

For your convenience, in addition to cash or check with proper ID, we accept Visa, MasterCard, Discover, American Express and CareCredit.  We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time of service.  We also are a participating provider with multiple insurances, and often the ones we are not listed as a participating provider, patients may still have out-of-network (OON) benefits available in our office.   If you have questions regarding your account or insurance, please contact us at (410) 982-0650.  Many times, a simple telephone call will provide appropriate information.

Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage. The office participates with many dental insurance plans. Some dental procedures require a medical denial or may be covered under your medical insurance plan where your out of network (OON) benefits  may be used prior to dental insurance paying any benefit. We will submit all claims for procedures on your behalf. Your estimated co-pays and deductibles are due at time of service. Any remaining balance after the claim is processed is your responsibility and your prompt remittance is appreciated.  If a pre-determination is completed prior to treatment, we follow that information from the insurance company but at the bottom of the insurance company pre-determination “Estimate of Cost” there is usually a statement that says “does not guarantee payment.”  The insurance company cannot know what treatment you will use after they complete this “Estimate of Cost,” so they cannot guarantee that you have benefits available when you complete the pre-determined treatment.  

It generally takes three to six weeks for most insurance claims to be processed. The “good faith” estimate given on the procedures is not a guarantee that your insurance will pay nor that the financial benefits available will still be available when the claim is processed.  If you have had work done in another office over the last six weeks,  please let us know.  If your benefits are used prior to our claim being processed, there may not be the needed amount to cover the claim in our office and we will send you a statement for the remaining balance. Should there be any remaining balance after your insurance has paid, this will be your financial responsibility.  If your statement does not reflect the Explanation of Benefits (EOB) received from your insurance company, please call the office.

Financing is available through CareCredit to qualified applicants. If you are interested, we encourage you to complete an application prior to your visit either online at the CareCredit website or by calling (866) 893-7864.  Please be sure to provide your CareCredit information at your appointment.  The person who applied and qualified for the financing MUST be present to sign all CareCredit documents, also providing two forms of ID, at time of service. Please note that this is a CareCredit company policy to protect your account from unauthorized use.   If an individual has been identified as an Authorized User on the account but is not listed on the card, please inform our staff so that this can be confirmed with CareCredit.  An Authorized User must also follow the CareCredit rules for identification which includes providing two forms of ID at the time of service.