Dental Insurance & Financing + What is Dr. Liddle's payment policy?Payment is expected when services are rendered. As a courtesy, our office is happy to file your dental claims for reimbursement by your insurance carrier. Understand that payment by your insurance carrier is not based on our actual charges for the procedure, but rather on a fee pre-established by your insurance carrier. The total charge by our office is the responsibility of the patient. We accept cash, personal checks, Visa, Mastercard, American Express and Discover. We participate in the CareCredit program on total charges of $1000.00 or higher. We also offer a 5% prepayment discount on treatments over $1,500.00 when paying with cash or check at least 2 weeks prior to work starting. + What do I need to know about Dental Financing?DENTAL COSTS Dental procedures range in cost from relatively inexpensive routine care to top of the line, cutting edge restorative and cosmetic procedures. If you’re looking to save money on dental bills, then the best course is routine care. Skipping cleanings and checkups can lead to gum disease and large cavities. Avoiding repairs to preexisting fillings can lead to expensive crowns and painful root canals. By attending to your dental needs on a regular basis, you can avoid unnecessary expenses. If you’re looking to have cosmetic dental procedures performed, a similar approach applies. Avoid bargain cosmetic dental procedures and practices that offer great deals on price, time, and service. Research your cosmetic dental options and dentists before deciding what procedure best suits your needs to assure you receive quality service and a beautiful smile that will be long lasting. DENTAL INSURANCE Dental insurance can be provided by an employer or purchased independently, but you may find your dental insurance is limited to routine and necessary procedures and will not cover cosmetic dental work. Check with your dental insurance provider to determine insurance coverage levels before you decide to have any dental procedures performed. This way, there will be no surprises when the final bill arrives. FINANCING DENTAL PROCEDURES Once you’ve decided on some dental procedures, whether routine, restorative, or cosmetic, it’s time to determine how to pay for them. Dental insurance is one option and, if you have dental insurance, you should check before starting any procedures to see what is covered. Paying by cash is another option. Be sure to ask your dental office if they have a discount policy for cash-paying patients, as many dental offices do. Many dental offices also offer short-term dental loans, which are similar to putting your procedures on a credit card but the interest is typically much lower. You can also finance your dental procedures using a credit card, which can be a very expensive option if you’re extending the payments over a long period of time. The best way to approach dental financing is to get a complete estimate from your dental professional. Then speak with the financing department to see what options are available. Dental office staff deal with financing on a daily basis and will be able to provide all the financing choices available to you and should be able to steer you in the right direction.