Although we maintain a computerized history of payments by a given company, the benefits do change. As such, it is not always possible for us to give you a guaranteed quote of insurance coverage. We estimate your portion based on the most up-to-date information we have, but it is ONLY AN ESTIMATE. If you would like to know your exact insurance benefit, we will be happy to file a “pre-treatment estimation” with your insurance company prior to treatment. This does delay treatment, but it will give you the exact out-of-pocket figures you may require.

We base the patient portion of your bill on our most current data, but there are many factors that can affect this estimate. There may be a deductible (individual or family), or you may have received treatment in another office prior to joining Main Street Dental, which is not calculated in our database. Sometimes you may need to see a specialist for care, which also draws on your annual benefit. Insurance companies do not, and cannot, notify us of changes to your benefits. THEY ONLY NOTIFY YOU. If any of these situations apply to you, please let us know when we estimate your treatment costs so we may adjust accordingly.

We bill your insurance as a courtesy. If your insurance does not pay within 90 days, Valley Dental reserves the right to request payment in full for services from you. You would subsequently be responsible for collecting the insurance funds that are due to you directly from your insurance company. This is rare, but it is important that you recognize that the insurance you have is a legal contract between YOU and YOUR insurance company. Our office is not, and cannot be a part of this legal contract. Ultimately, you are responsible for all charges incurred in our office.

Valley Dental does request payment in full for your portion of the treatment you receive at the time of service. If we are unable to obtain a coverage amount from your insurance company at the time of service, we require a payment of 25% of the total fee. We accept cash, MasterCard, Visa, American Express and Interac (Debit). For existing patients with an established credit history, we are willing to discuss other payment options if need be.

Since everyone’s situation is unique, it is best to contact us directly to discuss any financial concerns that you may have. By doing this, we can establish a treatment plan that addresses your dental needs while keeping in mind affordability concerns. This will allow us to work together to achieve all of your oral health goals!