Financial

h-perfectSmile5.jpgPayment Options

East Alabama Dental Group strives to provide you with affordable, high-quality dental care! Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is administered. We offer a variety of payment options to meet your needs. Our office accepts payments by cash, checks, and Visa, MasterCard, Discover and American Express credit cards.

Affordable Financing Options

Don’t let finances stand in your way of achieving the beautiful, healthy smile you deserve! We are pleased to offer third-party financing options through CareCredit®, with a $0 down payment and low monthly payments, to make your treatment more affordable. This flexible payment option allows you to pay for your treatment over a period of time so you can focus on what matters most – keeping your smile healthy!

Insurance Policies

According to most dental insurance companies, dental procedures are broken down into three categories:

  • Preventative – Most insurance companies consider routine cleanings and examinations as preventative dental care; however, X-rays, sealants and fluoride can be deemed as preventative or basic, depending upon the specific insurance carrier.
  • Basic or Restorative – Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.
  • Major – Crowns, bridges, dentures, partials, surgical extractions and dental implants are dental procedures that most dental insurance companies consider as a major procedure.

Since all dental insurance carriers are different, it is important to clarify which dental procedures are included in your plan.

Almost all dental insurance companies use what is called a “usual, customary and reasonable” (UCR) fee guide. This means that they set their own price that they will allow for every dental procedure that they cover. This is not based on what a dentist actually charges, but what the dental insurance company wishes to consider for coverage. For example, your dentist may charge $67 for a dental cleaning, but your insurance company will only allow $58 because that is the UCR fee that they have set for themselves.

If you are on a dental insurance policy that requires you to go to a participating provider, you should not be charged the difference between these two prices. A contracted dentist generally has an agreement with the dental insurance company to adjust the difference in charges. If the policy allows you to go to a dentist of your choice, check the insurance company’s UCR fee guide against the fees that our office charges. You may be required to pay the difference out of your pocket; however, you cannot put a price tag on quality dental care.

Our team is a preferred provider (PPO) for Blue Cross/Blue Shield of Alabama, Cigna and Southland National plans only, but we will file claims/pre-estimates for all insurance companies. Most insurance plans do not cover services at 100%. Patients will be responsible for paying any expense not covered by your contract at the time of service. Our team will be happy to help you with any questions regarding your insurance coverage.