Insurance & More

Insurance

As a service to our patients, our practice accepts most dental insurance programs, including non-managed care, indemnity (traditional) and selected PPO plans. We are not part of any managed care network. Our accounting staff will prepare all the necessary forms for your dental benefits. We currently accept the following providers: Delta Dental, Blue Cross/Blue Shield, Cigna, Guardian, MetLife. This list is subject to change and our staff will verify that we accept your insurance provider.

However, we remind you that your specific policy is an agreement between you and your insurance company. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. Our staff will gladly submit a pre-treatment estimate to your insurance company so that you will know what your benefits will be.

Unfortunately, Dental Insurance has not kept up with the times. The annual limit for coverage has not changed since the 1970’s while inflation has increased over 500% during this time! This is why your insurance coverage is less than it really should be.

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.

Payment Options

• Payment by cash

• Payment by personal checks

• Payment by credit card

• Automatic monthly billing to your Visa or MasterCard

Our office is a fully approved and accredited user of the Visa and MasterCard Health Care Program, which will enable you to use your Visa and Master Card to automatically cover amounts not paid by your insurance. You may also choose a comfortable amount to be automatically billed to your Visa or MasterCard on a monthly basis.

When more extensive dental care is necessary, you may apply for Lending Club Patient Solutions Financing (see financing information below).

Payment is expected at the time services are performed.

Financing

We’re pleased to offer our patients Lending Club Patient Solutions, North America’s leader in patient payment plans. Lending Club lets you begin your treatment immediately – then pay for it over time with low monthly payments that fit easily into your monthly budget.

Like a credit card, but better

Lending Club works like a credit card, but is exclusive for healthcare services.  With no up-front costs, no pre-payment penalties, and no annual fees, Lending Club lets you pay over time and frees up cash and credit cards for the other things you want or need. Lending Club offers low monthly payment plans for healthcare procedures not commonly covered by insurance, including dental treatment.  Plus, you can use your card again and again to pay for additional treatment for yourself or family members in any Lending Club practice.

• Low minimum monthly payments
• No-interest financing if paid within 12 months (Additional plans may be available)
• No up-front costs, pre-payment penalties or annual fees

Learn more by visiting Lending Club Patient Solutions website or contacting our Marlborough family dental office. For more information or to apply now, just click here.