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We appreciate your trust in choosing our office for your dental care. We know that dental insurance and billing can sometimes feel confusing, so our goal is to make the process simple, transparent, and stress-free. The following information explains how insurance works at our practice, what to expect regarding coverage and costs, and our office-wide billing policies.
Insurance Information
PPO Insurance Accepted
- We accept all PPO dental insurance plans (we do not work with Husky/Medicaid or DHMO plans).
- We do not participate as an in-network provider with any insurance except for a specific Cigna PPO plan through the State of Connecticut.
- Most PPO plans allow you to see any dentist you choose, even outside the plan’s network.
How Out-of-Network Benefits Work
1. Dental Insurance Is Different From Medical Insurance
Most PPO dental plans include out-of-network coverage. This means you are not restricted to in-network dentists—you have the freedom to choose your provider.
2. Out-of-Network Benefits Often Match In-Network Coverage
Many patients find that their:
- Coverage levels are very similar, and
- Out-of-pocket costs are the same or only slightly different
when seeing an out-of-network PPO provider.
Preventive care (cleanings, exams, x-rays) is often covered at or near 100% in both scenarios.
3. We Submit Insurance Claims for You
As a courtesy:
- We electronically submit all claims on your behalf
- In most cases, insurance reimburses our office directly
- If your plan reimburses you instead of us, we’ll let you know in advance
4. Clear Cost Estimates
Most out-of-network patients experience minimal to no additional cost.
To ensure transparency:
- We verify your benefits 4–5 days prior to your appointment
- If any out-of-pocket costs are expected, we will notify you in advance
- Estimates are based on the information provided by your insurance company and are not guarantees of payment
5. Pre-Treatment Estimates (when needed)
If we are unable to confirm your plan’s reimbursement rates:
- A pre-treatment estimate may be required
- Insurance companies typically take 1–3 weeks to respond
This is the only way to obtain an official breakdown of coverage and patient responsibility
We are happy to submit a pre-treatment estimate before you schedule if you prefer.
Financial Policy
Payment at Time of Service
- Payment is due at the time treatment is provided.
- We accept: cash, personal checks, cashier’s checks, money orders, Visa, MasterCard, Discover, American Express, and CareCredit.
- Returned checks may incur additional fees.
Your Financial Responsibility
Regardless of insurance status, all charges for services are the patient’s responsibility.
- We collect estimated copays and deductibles at the time of service.
- Insurance coverage is never guaranteed; your plan may include exclusions or limitations unknown to our office.
- Once your insurance has processed your claim:
- Any remaining balance is due upon receipt of your statement
- If your insurance does not pay within 60 days, the full unpaid balance becomes your responsibility and may be subject to finance charges or collections
Our office is not a party to your insurance contract; however, we will cooperate fully with your insurance company to help your claim process smoothly.
Required Patient Information
At each visit, we require:
- A valid photo ID
- Insurance card (if applicable)
- Up-to-date contact information
- An emergency contact
This allows us to ensure accurate claims and communication.
Cancellations, Missed Appointments & Late Arrivals
Your appointment time is reserved exclusively for you.
- If you arrive more than 10–15 minutes late, we may not be able to accommodate your visit or may need to modify planned treatment.
- Cancellations or rescheduling require at least 48 hours’ notice.
- Cancellations or rescheduling within 48 hours may result in a $75 fee (exceptions may apply).
- Multiple missed/cancelled appointments may result in same-day-only scheduling or dismissal from the practice.
