We accept cash, check, money order, Visa, MasterCard, Discover, and Care Credit.
If you have dental insurance, we are happy to submit your visit to your insurance plan on your behalf. We cannot guarantee payment from your insurance company, so ultimately any charges not covered by insurance are patient responsibility.
The following are examples of major insurance companies we most commonly accept*:
- Delta Dental
- Blue Cross Blue Shield
- United Concordia
List of Networks we are providers for:
- Delta Dental Premier
- Delta Dental PPO
- Delta Dental Group 216
*Please note. We are only in-network providers for the plans listed above (under List of Networks) all other plans are submitted on an out-of-network basis. If your plan does not have out-of-network coverage we will not be able to submit for payment.
If you don’t see your dental plan on the list please contact us or your insurance provider to check coverage. Just because they are not listed above doesn’t mean that we do not accept them.
State Dental Plans
If your insurance program is offered through the Minnesota Health Care System we may not be a provider. We can see patients with these programs if their plan has “out-of-network” benefits. The best way to check this is to contact your dental plan by calling the number on the back of your insurance card.
The following are examples of companies we are not providers for:
- Medical Assistance
- Blue Plus
- South Country Health Alliance
Tips on Dental Insurance
It is to your benefit to know more about your own dental plan than to expect a dental office to master it. We have to deal with many and you only have to deal with your own that your employer or you have purchased. Ultimately, you are responsible for your own fees, whether or not the insurance will cover a portion for the treatment you have consented to have done. It is not in the insurance’s interest that you receive the best dental care. It is to the insurance’s benefit that you do not have any treatment done at all. To think that you should have insurance dictate what type of work you can have is faulty thinking that will not lead to the best oral health. Think of insurance benefits as helping with your BASIC dental needs. Many people need more than just a few fillings and two exams and cleanings per year. Consider changing your insurance benefit by negotiating with your employer or the one who purchased the insurance plan, if your dental need is not met by the insurance.
Dental insurance can retroactively terminate coverage. If your policy is through an employer and employment ends, your insurance benefits may terminate at the time employment is severed. Your plan may state it is currently active following your employment end date, but there is a possibility that benefits paid may be taken back, thus making the full charge for services patient responsibility. We do our best to verify coverage, but cannot guarantee payment. If you are paying a premium for coverage (through COBRA or otherwise) and you are current, coverage should continue.
Your insurance has an annual maximum that they will pay out. This is the most that will be paid in any given plan year. Most commonly plans will run on a calendar year, resetting January first. Some plans will reset on other dates. Often times your “free cleanings” and “exams” will deduct from this maximum, leaving a smaller amount of benefits for other services needed. If you have maximized your yearly limit and still need a cleaning and exam you may be responsible for full charges of the services performed. Often times an insurance sells to employers and patients with the perk of “two free cleanings a year” when truly they are not free. The benefits paid have to come from somewhere!
Believe it or not you can afford dental treatment without insurance. You may need to phase treatment as time allows, but before purchasing insurance you should weigh out what your dental needs may be with the monthly premium you will pay. Some good questions to consider would be these:
- How much will I pay in monthly premiums, and what is the maximum benefit insurance will pay per year?
If you are paying a high premium and your plan pays out a low benefit you may save over time for just paying for dental treatment out of pocket.
- Are there waiting periods for services I may need right away?
If, for example, you need a crown and there is a 12 month waiting period for Major Services on your plan, insurance will not pay for any of your crown until after your plan has been in effect for 12 months. You may not be able to postpone treatment until this waiting period expires, ultimately leading to additional treatment being needed and additional cost.
- Is there a missing tooth clause?
If your plan has a missing tooth clause, this means it will not cover to replace a tooth that is/was missing prior to the start of your plan. Sometimes a missing tooth clause will expire after a period of time.
Our patient membership program many be a good alternative to dental insurance. By paying a monthly membership fee, similar to a monthly insurance premium, your preventative services are covered. If interested in seeing how this plan could work for you click here.
We are often times asked if a patient can set up a payment plan. Although we prefer to collect payment in full prior to the completion of a service, we do understand that this may not always be possible. We try to make dental costs affordable for all patients. We cannot change our fees, as we have to file them to keep in compliance with programs we participate with, but we can try to help you find a way to make them work with your budget.
In office payment plans are available on a limited basis. If payment in full is not feasible at the time a patient completes treatment they will need to discuss any financing with our Office Manager, Jessica, prior to the completion of the treatment. All balances need to be settled within 6 months’ time of the date incurred. Balances carried from month to month may incur a finance charge.
We accept Care Credit. Care Credit is an out of the office, revolving line of credit that requires a credit application. Upon approval our office can offer the 12 month “no interest” ¹ plan or 24-60 month “low interest” ² plan dependent on the amount financed. Care Credit is accepted at other offices in the area including some oral surgeons, chiropractors, eye care clinics, or veterinary clinics.
¹If paid within the promotional period. Otherwise, interest assessed from purchase date. Minimum monthly payment required.
²Subject to credit approval
For our patients without insurance, that prefer to pay over time and receive a discount on treatment, we have a patient membership program. With this program you pay a lifetime activation fee that includes your exam, cleaning, and necessary x-rays. Then for a small monthly fee, your preventative care is included along with the opportunity for discounted treatment. You save between $111 and $128 annually by becoming a member versus just paying for these services out of pocket, as you go.