Insurance and Payment

Information for our Patients with
Dental Insurance

Dental insurance is playing a larger and larger role in helping people obtain dental treatment. Since we feel strongly that our patients deserve the best dental care we can provide, and in an effort to maintain a high quality of care, we would like to share some facts about dental insurance with you.

We consider our relationship with you to be of primary importance and will always make our recommendations to you based on what we believe is the very best treatment for you regardless of your insurance coverage. As the patient, it is your responsibility to deal with your insurance company and your employer. We will assist in any way possible to maximize your dental insurance benefits, but to re-emphasize, we have no relationship or responsibility to your insurance company.

FACT #1: Dental Insurance is not meant to be a "PAY-ALL", it is only meant to be an aid.
FACT #2: Many plans tell their insured that they will be covered "up to 80%" or "up to 100%". In spite of what you're told; we've found many plans cover 40% to 50% of an average fee. Some plans pay more....some pay less. The amount your plan pays is determined by the contribution you and your employer make to your dental plan. The smaller the contribution paid into the plan for "insurance", the less you'll receive. It is your responsibility to advise us of your insurance coverages and restrictions.
FACT #3: It has been the experience of many dentists that some insurance companies tell their customers that "fees are above the usual and customary fees" rather than saying to them that "our benefits are low". Remember you get back only what you and your employer put into your insurance coverage less the profits of the insurance company. In dealing with over 50 dental insurance plans, most plans do cover our fees.
FACT #4: Each plan utilized in our office has different percentages, deductibles, maximums, procedures covered, and varying fees that the plan will allow. We will do our very best to make as close a calculation as possible of what your insurance plan will cover. However, as we cannot estimate precisely, there may be variances for which the patient is individually responsible.
FACT #5: Many routine dental services are NOT covered by insurance carriers. We make our recommendations based on your needs and not on what your insurance may or may not cover.

Please do not hesitate to ask us any questions about our office policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have any questions regarding our services and/or fees. We will fill out and file insurance forms at no charge. We will do all we can to assure you of your maximum benefits.

If you have any questions regarding your insurance, please contact your insurance carrier regarding the specifics and details of the plan they are operating on your behalf.

coins Payment:

Payment is expected at time of service. If you have insurance, you will be expected to make an estimated payment for that portion not covered by your insurance plan. For that portion of costs not covered by insurance, we offer several payment options:

Cash or Personal Check
Credit Card - We accept MasterCard, Visa, Discover and American Express.
Care Credit Medical/Dental Card - Care Credit offers 3, 6 and 12 month interest-free payment plans, and extended financing up to 48 months. You can apply in our office or apply online.
Healthcare Creditline - 90 day no interest payment plans.
Capital One Healthcare Finance is a convenient, no initial payment, low monthly payment plan for dental treatments of $300 to $25,000. You can apply in our office or apply online.
Short term bank loan - We have partnered with a local bank to provide interest free loans (we pay the interest for you) for up to 1 year.
Long term bank loans - For extensive treatment plans, longer term loans are available. Call our office or stop by for details.

If you have signed up to be able to view your account online, you can click here to log in!

If you have any questions about your insurance plan or payment options, please call Shelia at (903) 432-2292 or e-mail us at info@cedarcreeksmiles.com.

© Copyright 2003- Dental WebSmith, Inc. and John R. Loar, DDS & Associates. All rights reserved. Disclaimer: The information provided within is intended to help you better understand dental conditions and procedures. It is not meant to serve as delivery of medical or dental care. If you have specific questions or concerns, contact your health care provider.