Finance Options

We are proud to be part of a team whose primary mission is to deliver quality dental care with superior service. We utilize the latest technology and the highest rated materials to insure the highest standard of care for all of our patients.

In order to assist you with the investment of your dental health, you may select from the following payment options. Our patients appreciate knowing approximately what financial responsibilities they would incur for their dental treatment. Therefore, we inform our patients about our financial policies and options before we begin any treatment.

In house Benefit Plan

We offer an in-house benefit plan for people that are not currently covered by any dental insurance. Details on this plan can be viewed here.

Cash

Always welcome. 100% pre-payment made by Cash/Check/Credit Card may qualify for 5% cash discount in some cases. For further detail, please contact our Financial Coordinator.

Credit Cards

We accept Visa, MasterCard, Discover

Credit Card Pre-authorization

By using this easy pay method, you authorize us to place a fixed amount on your credit card monthly. Please contact our office for further information.

Insurance Assignment

Valley Dental Care is proud to be affiliated with multiple insurance companies as a prefered provider. We except most major insurance company, Metlife, Cigna, Humana, Aetna, United Healthcare, Blue Cross Blue Sheild, Compdent, Unicare, Principle Life, Conneticut General, Ameritas, Assurant, Delta Dental, and All kids (State Of Illinois). If you do not see your insurance company listed, please call our office and ask a staff member if we except yours.

As a courtesy to you, our office will submitt your claims to your insurance company and work to acheive the maximum reinbursement to which you are entitled. If necessary our office will contact your insurance carrier on your behalf, however, with the federal privacy laws placed on healthcare offices, we ask for your assistance.

We do not have access to your insurance records and therefore can not always track your remaining benefits for each year. Your insurance company is always happy to share that information with you, the policy holder.

Our office remains dedicated to providing the optimal care for every patient and working with you to acheive that goal. We pride ourselves on helping you in anyway and continuing to provide the quality of care for which you have become accustomed.

How Your Insurance Works

Dental insurance is highly complex and creates confusion for many patients. There are many ways insurance plans are designed, each with differing benefit (payment) levels. Dental insurance is not meant to be a pay all, but designed to share in your dental care costs.

Dental insurance is a contract between your employer and the insurance company. Benefits are based on which plan benefit your employer purchases on your behalf. The goal of the insurance company and your employer is to provide basic coverage for specific procedures and services to keep the premium cost down. Therefore, the services that are paid for are based on the cost of the policy to your employer and not what may always be best for you or your oral health.Most insurance policies are based on the American Dental Association recommendations for general dental basic care. The reimbursement mechanism from your insurance company is merely a mathematical formula they use to determine the amount of benefit or percentage of the service that will be paid.

Some services you may need or want may not be covered by your dental policy. The selection of non-covered services is chosen by your employer and your insurance company.

Please remember you own your policy and it is a benefit to you, we are not a party to the contract between your employer and your insurance company.

Care Credit

Because your smile is important to us we proudly offer Care Credit. Care Credit is a healthcare credit card specifically designed to pay for dental procedures and treatment not covered by your insurance company. Care Credit has two unique features. Every Care Credit transaction is eligible for a no interest (if paid within the promotional time period) or low fixed interest payment plan. Valley Dental Care offers upto six (6) months free financing. As a leader in healthcare financing Care Credit has helped millions of patients afford the care they want and need.

With Care Credit you can pay for co-payments, deductibles, and treatment not covered by your insurance policy. You can start treatment immediately and pay over time with low monthly payments. You can reserve your existing credit cards for household use or unplanned expenses and usually at a lower interest rate.

Dental insurance is a contract between your employer and the insurance company. Benefits are based on which plan benefit your employer purchases on your behalf. The goal of the insurance company and your employer is to provide basic coverage for specific procedures and services to keep the premium cost down. Therefore, the services that are paid for are based on the cost of the policy to your employer and not what may always be best for you or your oral health.Most insurance policies are based on the American Dental Association recommendations for general dental basic care. The reimbursement mechanism from your insurance company is merely a mathematical formula they use to determine the amount of benefit or percentage of the service that will be paid.

You can apply on line at CareCredit.com or call (800) 365-8295, or ask one of our front office staff to assist you with the application process.