We accept cash, checks, Mastercard, Visa, and Discover credit cards, as well as debit cards. We also offer a 5% discount if treatment is paid in full on the day of the appointment. We can also discuss a financial plan for your dental care.
For more information on our financial policies, please see our Financial Guidelines.
Insurance
We want you to take advantage of any dental insurance benefits you may have. To that end, we have invested in the fastest online access to most insurance companies, which provides us reimbursement details within days. By being aware of and providing all of your insurance information before your first appointment, we can be sure to make the most of what your plan offers. If we receive an immediate response from your insurance company, you will only be asked to pay your estimated portion on the day care is provided. We will do everything in our power to make sure you receive the benefits to which you are entitled.
Do you take my insurance?
We are an unrestricted provider which gives us the freedom to work with just about any type of insurance. Our obligation is to present you with a full array of the most clinically sound dental health care options so you can make the best-informed choices. While we believe the availability of dental benefits should never be the only reason to proceed or not with your dental care, patients should know what to expect. We will determine eligibility and may be able to determine anticipated coverage, as well as process claims for services provided.
Understanding dental benefit plans can be complicated, there are several things we know.
Dental benefit plans are designed to pay for some of the cost of dental treatment. It is based on how much the employer pays into the plan and, the profit margin and cost to manage the plan by the insurance company. Some procedures will be covered at a percent of the fee proposed and some procedures are not covered at all.
Many plans involve a contract between an employer and employee. Other plans may be purchased by an individual through the health care marketplace. Dental benefit plans are not based on what an individual needs, rather there is a menu for the plan, purchased by the employer.
Do you know if you have a deductible? That is the amount of money you pay before your benefit plan will pay for any services. It is paid by the patient every year the benefits are renewed.
Coinsurance is cost sharing; the insurance company pays part of the service and the patient pays part of that same service. The percent of insurance company coverage is outlined in the benefit plan.
An annual maximum is the maximum dollar amount paid by the contracted plan during the year. It may be a calendar year or another date range. There may be separate benefits for orthodontics. These benefits may be paid in two different calendar years.
Pre-existing conditions refer to dental conditions that you had before the effective date of the benefit plan. Maybe you lost a tooth and want to look at your options for smiling and chewing. There may be no benefits paid if a pre-existing statement is part of your plan.
Coordination of benefits apply to the patient who has more than one plan to cover dental services. Often, the second plan pays nothing if the first plan paid any benefit. We can never determine this ahead of providing treatment.
Your benefit plan may cover only services that are determined dental or medically necessary. Maybe a tooth broke eating popcorn and the filling to repair the missing corner is provided. The benefit plan may state that tooth decay and/or infection must be present to allow any benefit to be paid on your behalf, no benefit paid.
A dental plan will outline frequency limitations. This is a non-negotiable term in your contract.
There are several other insurance company cost control measures that may apply to your benefit plan: procedure bundling, down coding, least expensive alternative treatment and, non-covered service codes.
We are in network with Delta Dental Premier. Curious about your coverages and the fees set by your plan? Please call us at 805-543-3016 to find out how we work with your dental insurance provider.
We welcome your questions and comments and look forward to providing rockstar service, Deborah McNeil Amorteguy and fantastic team: Kellie, Anne, Brittany, Summer, Natalie and Alexine.
Contact Us
If you’re interested in cosmetic dentistry, restorative dentistry, or general dentistry, and you’re looking for a San Luis Obispo dentist look no further! Contact our office to schedule a consultation and get the smile you’ve always wanted.
