Office Policies & Insurance

We are open to serve you, answer questions, or schedule an appointment during the following hours:

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturday: 8:00 a.m. – 2:00 p.m.

Should you have an emergency after hours, please call our office phone number and there will be a recording to instruct you on how to reach the doctor after hours.


Your scheduled appointment time has been reserved specifically for you. We request 48-hours notice should you need to cancel your appointment and a 24-hours notice for re-scheduling appointments. We are aware that unforeseen events sometimes require missing an appointment, and we appreciate your cooperation. Each appointment slot is especially reserved for each patient so we can ensure that each patient has enough time and care from the doctor and staff. At certain times, we have patients that may need a little extra care or attention and we appreciate your understanding should we run slightly behind schedule. We value your time and all efforts are made to ensure that your child is seen promptly at their scheduled time. The office schedules children under 5 years old in the mornings because young children are fresher in the morning and respond better to treatment at that time. Children that need extensive treatment or treatment involving sedation are also scheduled in the morning for the same reason or because sedation requires that the patient not eat before treatment.


Because we feel that getting proper dental care is very important to your child, our office strives to make treatment affordable for you. Payment is expected the day treatment is rendered unless prior arrangements have been made. This helps us keep cost low and avoid costly delays in treatment and billing. We take payments in cash, check with valid ID, Visa, and MasterCard. Other financing options are available for larger treatment plans.

If we have received all of your insurance information by the day of the appointment, we will be happy to file your claim for you. You must be familiar with your insurance benefits, as every plan has different coverage for each procedure. We will collect from you the estimated amount that insurance is not expected to pay. By law, your insurance company is required to pay each claim within 30 days of receipt. We file all insurance immediately so your insurance company will receive each claim within days of the treatment. You are responsible for any balance on your account after 30 days, whether insurance has paid or not. If you have not paid your balance within 60 days a re-billing fee of 1.5% will be added to your account each month until paid. We will gladly issue you a refund to you if your insurance pays us.

Our office is committed to helping you maximize your insurance benefits. Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. If we have received all your insurance information by the date of your appointment, we will be happy to bill your insurance as a COURTESY. Your estimated patient portion must be paid at the time of service. By law, your insurance company must pay the claim within 30 days of receipt but you are responsible for any outstanding balances on your account after 30 days whether insurance has paid or not. We will gladly issue you a refund if your insurance pays or there is a positive balance on your account. If you have not paid your balance within 60 days, the office charges a 1.5% billing fee will be added to your balance for each month.

Please understand that it is the patient and not the office that has a contract with the dental insurance company. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. At no time do we guarantee what your insurance will or will not pay out with each claim. We also cannot be responsible for any errors in filing your insurance

If you have any questions, our courteous staff is always available to answer them.

Office Dental Insurance Policy


Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage, or the type of contract your employer has set up with the insurance company.


You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable, or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules, and each company uses a different set of fees they consider allowable. These allowable fees may vary widely, because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently, this data can be three to five years old and these "allowable" fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, insurance companies imply that your dentist is "overcharging", rather than say that they are "underpaying", or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.


When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.

MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment