Payment Options

Dental Insurance

We participate in many dental insurance plans, but not all of them. If our name is not on your plan’s list of providers, contact your insurance carrier to determine their specific rules about seeing a dentist outside your plan. Though you are ultimately responsible for payment of services rendered, we will be happy to assist you in filling out insurance forms for reimbursement.

Below is a list of carriers whose plans we participate in. Please verify that our practice is in network with your specific plan under this carrier by locating us on your list of providers. Alternatively, call our practice with your insurance plan details and we will do our best to verify this information for you.

• • Delta Dental Premier

• • United Concordia

• • Cigna

** While we may still appear on your list of providers, we are no longer accepting Medical Assistance or Maryland Healthy Smiles.

Out-of-Network Doesn’t Mean Out-Of-Benefits

Dental insurance shouldn’t dictate where you go. What matters most is having a dentist you trust and who listens to you. That peace of mind can save you money (and toothaches) in the long run.

If you have PPO insurance, that means you can see any dentist you choose. That means you can come to our office, use your benefits, and still receive the high-quality care you deserve. In fact, depending on your plan, your visit could even be covered up to 100%! (Note: This flexibility applies only to PPO plans, not HMO or DMO plans.)  

What Does “Out-of-Network” Really Mean?

Insurance companies may encourage you to see in-network providers because it costs them less – not because it’s better for you. With a PPO plan, even if your provider is out-of-network, you still have the freedom to choose the dentist you know and trust and receive insurance benefits.

Many patients are surprised to learn that the out-of-pocket difference is often minimal or nonexistent. For preventive and diagnostic services, in- and out-of-network coverage is often very similar.

Common Questions We Hear

Why don’t you join every insurance network?

Dental insurance doesn’t work the same way medical insurance does. Medical insurance is designed to protect you from high, unexpected costs by limiting how much you’ll pay out of pocket, especially with catastrophic coverage. Dental insurance, on the other hand, does the opposite—it limits how much the plan will pay. These plans also place restrictions on which procedures are covered, how often you can receive them, and when coverage applies.

We carefully choose to participate with plans that allow us to spend the right amount of time with each patient, providing the quality of care each patient deserves. But whether you’re in- or out-of-network, we’re always happy to look into your benefits for you.

Will I have to pay more if I’m out-of-network?

Not necessarily! Every plan is different, but we’ll always be happy to research your benefits, give you our best estimate up front, and even submit a pre-treatment estimate if you’d like exact numbers.

Do I have to file my own claims?

Nope – we handle all of that for you! In some cases, your insurance may reimburse you directly instead of us, but we’ll explain everything clearly before treatment so there are no surprises.

What if insurance doesn’t cover everything?

We offer financing through Cherry and Care Credit, with rates as low as 0%. These options can help make care more affordable than using a credit card, and applications are quick and simple.

Payment Options

We accept ACH, all major credit cards, Cherry, CareCredit, personal checks, cash, and money orders. You can also take advantage of electronic payments, a QR code will be included on your billing statement. Our payment system has been certified by CompliAssure Secured.