Payment Options (FAQ)

What are my payment options if I do not have dental insurance or a benefit plan?

We request payment at the time of your appointment. To help make payment convenient for you we have the following payment options:

• Use cash, check, debit card, or major credit card (Visa, MasterCard, Discover or American Express).
• A 5% savings is offered for pre-payment or full payment by cash or check at the time of treatment. Patients 60 years and older are eligible to receive an additional 5% savings (total of 10%) for pre-payment or full payment by cash or check at the time of treatment. 
• Third party financing is available through CareCredit for qualified patients. We would be happy to assist you with the application process if you are interested in this payment method. Read More about CareCredit

How do I handle my account if I have dental insurance coverage?

If you have dental insurance, we will help in every way we can to file your claim and handle insurance questions on your behalf. Here are the basic steps to the process:

1. Provide us with the details of your insurance plan when making your appointment. Always bring your dental insurance card with you to your dental appointment.
2. Know and understand your dental insurance policy. If you have any questions, consult your insurance company or employer for clarification. 
3. Assign your insurance benefit to Park Dental so we can file your claims on your behalf.
4. We will provide you with an estimate of your patient portion based on information you provide to us. Every insurance plan provides different levels of benefits based on the coverage your employer has provided. We will ask for your estimated patient portion at the time of the appointment. For your convenience, we accept cash, check, debit card, or major credit card (Visa, MasterCard, Discover, or American Express).
5. We will submit an insurance claim on your behalf following your appointment. It typically takes 3 to 6 weeks for the insurance companies to respond with payment.
6. Your insurance company typically sends you an Explanation of Benefit (“EOB”) that provides you all of the details on how they have processed the claim. Note that in some cases, they may not pay anything based on provisions in your contract.
7. Once we have received payment from your insurance company we will provide you with a statement summarizing any remaining balance that you are responsible to pay. In the event your insurance company denies payment for any reason, you will be responsible for all charges incurred for your care.

How do I handle my account if I have more than one dental insurance policy?

If you have dual dental insurance (meaning more than one active policy), we will help in every way we can to file your claims and handle insurance questions from our practice on your behalf. Here are the basic steps to the process:

1. The process for handling your account with dual dental insurance is identical to single insurance except we will file the secondary claim on your behalf once your primary insurance company has paid any applicable benefit.
2. Once both insurance companies have processed your claim we will provide you with a statement for any remaining balance for which you will be responsible. In the event your insurance company denies payment for any reason, you will be responsible for all charges incurred for your care.