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Financial & Insurance Information
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We understand that dental care is an important investment, and that the cost of treatment can sometimes feel overwhelming. Our goal is to provide the care you need while being mindful of your budget and financial circumstances.
Treatment costs vary depending on your individual needs, recommended treatment plan, and dental insurance coverage. Our team will take the time to clearly explain your treatment costs, insurance benefits, and available payment options. We will work with you to explore practical solutions that fit your budget whenever possible, so you can make informed decisions about your dental health without feeling pressured.
Payment Plans
Cherry Payment Plans (Buy Now, Pay Later Option)
We know that these days, budgets can be tight—and sometimes dental care comes with an unexpected expense. We don’t want finances to stand in the way of getting the care you need, which is why we’re excited to offer Cherry payment plans. (Think Klarna or AfterPay for the medical industry!)
Cherry is a “buy now, pay over time” option for dental care. Getting started is easy: simply apply, get approved, and you’ll have a credit available to use toward services at our office. At checkout, your Cherry credit pays your bill and you choose a monthly payment plan that works best for you to pay it off.
We’re happy to help you explore your options and find a way to make needed dental care more manageable.
Interested in learning more or applying? Get started below!
CareCredit® Card Promotional Financing
With CareCredit®, you may be able to:
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Begin your recommended treatment without paying the full cost upfront.
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Choose an interest-free monthly payment option that fits your budget.
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Finance up to 100% of eligible treatment costs.
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Enjoy no annual fees.
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Use your CareCredit® card at other participating healthcare providers who accept CareCredit®.
Alternatively, we offer interest-free financing if you pay with a CareCredit® card. A CareCredit® card can help make dental care more manageable by allowing you to spread the cost of treatment over time with convenient interest-free monthly payment options for eligible services and amounts.
Insurance Information
If you have dental insurance, we’re happy to help you navigate your benefits. We can submit claims on your behalf and bill most PPO plans directly.
Even if we’re out-of-network with your insurance plan, you may still be able to use your benefits at our office. We can submit claims and help you understand your coverage and estimated out-of-pocket costs.
Because your insurance policy is a contract between you and your insurance company, we are a third party and may not have access to every plan’s fee schedules, limitations, or coverage rules. While we’ll do our best to help you understand your benefits, your insurance provider ultimately determines coverage and payment.
If you’d like an estimate of your insurance coverage before treatment, we can request a pre-authorization from your insurance company for treatment recommended by Dr. Poh. This can provide a more accurate estimate of your out-of-pocket costs before scheduling treatment. Pre-authorizations are available upon request and with your consent.
Have questions about your insurance, treatment costs, or our financial policy? Call or text us at (707) 963-4611. We’re happy to help make navigating your dental care as simple as possible.
How Dental Insurance Works*
*(and doesn't)
DENTAL INSURANCE IS NOT LIKE MEDICAL INSURANCE
Dental insurance is designed to help offset the cost of dental care, rather than cover most expenses like many medical insurance plans. Think of it more as a discount, coupon or a supplement that can help reduce your out-of-pocket costs. Your coverage depends on your individual plan, including deductibles, annual maximums, and covered services. We’ll do our best to help you understand your benefits and make the most of the coverage available to you. While dental insurance typically covers a portion of eligible services, you should still expect to have out-of-pocket costs.
DENTAL INSURANCE HAS SEVERAL LIMITATIONS:
Annual Maximum:
Most dental insurance plans have an annual maximum—the most your insurance will pay toward your care in a calendar year. This is typically between $500 and $2,500.
The way your insurance pays out this maximum depends on your coverage percentages.
Coverage Percentages:
Plans typically cover different types of treatment at different coverage percentages (typically ranging from 40%-100%) for different categories of service:
- Preventive (cleanings/exams)
- Basic Restorative (fillings/deep cleanings)
- Major Restorative (crowns/extractions)
The dollar amount your insurance actually pays is also based on the insurance company’s own fee schedule which is always different from our office fees.
Fee Schedule:
A fee schedule is a complete list of predetermined maximum prices or allowed amounts that an insurance company will pay a doctor for specific services. Because of this, you can typically expect to receive a balance after insurance processes your claim, even if you have already paid your estimated portion at the time of treatment.
We do not have access to every insurance plan’s fee schedule, so we can provide estimates, but not guaranteed final costs. If you’d like a more accurate estimate before treatment, we can submit a pre-authorization to your insurance company upon request. While pre-authorizations are still estimates and not guarantees of payment, they can give you a better idea of what your insurance may cover and what you may owe.
YOUR DENTAL OFFICE WORKS WITH YOU, NOT YOUR INSURANCE
We’re here to work with you—not your insurance company. While our team isn’t made up of insurance specialists, we’re happy to bill your dental insurance as a courtesy. We’ll submit claims and help with the process so you don’t have to manage everything on your own.
Your insurance benefits are determined by your individual plan and your insurance company. Regardless of what your insurance pays, you are responsible for our office fees for the care you receive.
Our doctors’ recommendations are based on your individual dental needs and the health of your teeth and gums—not on what your insurance covers. We will never recommend treatment simply because it’s covered, nor limit your treatment options because it isn’t. When there are multiple ways to address a dental concern, we’ll discuss your options, including alternatives that may better fit your needs and budget.
We understand that dental care can be a significant expense. If needed, we’re happy to discuss payment options to help make your care more manageable.
