Helping you to maximize your lifelong dental health is our passion and the reason we do what we do.
Whether it’s an aesthetic improvement or maintaining optimal oral health, we can reach your goals by staging the treatment to stay comfortably within your lifestyle. We welcome a variety of payment options including cash, check, Visa, MasterCard, American Express and Discover.
These options are available to all patients and are a flexible means of making treatment affordable. For more information, please call (608)781-3999.
We accept most dental insurances and are glad to submit necessary paperwork for treatment to your insurance company. For patients with dental insurance, we are glad to be able to help you maximize your policy benefits. We would be happy to estimate your coverage prior to your appointment. Please call (608) 781-3999 with any questions.
Please keep in mind that dental insurance is a contract between you and your insurance company, so we have no say in what they cover or what percentage of a procedure they cover. Most dental insurances cover certain percentages of each procedure and it’s up to you as the insured to cover the rest on the same day as treatment is rendered. So it is a great benefit for you to be well acquainted with your dental insurance as to their yearly maximums, coverage, deductibles and any other stipulations they may have.
Facts About Your Insurance
Fact 1- NO INSURANCE PAYS 100% OF ALL PROCEDURES
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. Unfortunately this is not true. Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage, or the type of contract your employer has set up with the insurance company.
Fact 2- BENEFITS ARE NOT DETERMINED BY OUR OFFICE
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary or reasonable fee (UCR) used by the company. A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable, or well above what most dentists in the area charge for a certain service. This can be very misleading and is not accurate.
Fact 3- INSURANCE COMPANIES SET THEIR OWN SCHEDULES
Insurance companies set their own schedules, and each company uses a different set of fees they consider allowable. These allowable fees may vary widely, because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the “allowable” UCR fee. Frequently, this data can be three to five years old and these “allowable” fees are set by the insurance company, so they can make a net profit of 20%-30%.
Unfortunately, insurance companies imply that dentists are “overcharging”, rather than say that they are “underpaying”, or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.
Fact 4- DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED
When estimating dental benefits, deductibles and percentages must be considered. If you are unsure about any of your benefits or the expected deductible and co-pay at your appointment, don’t hesitate to give our office a call at (608)781-3999 to talk with one of our staff members. The front desk staff is highly experienced in dental insurance and will be able to answer any questions you may have. We understand that dental insurance can be confusing, but we are here to help you anytime!
Convenient, Flexible Payment Options
Dental treatment is an excellent investment in an individual’s medical and psychological well-being. Financial considerations should not be an obstacle to obtaining this important health service. Being sensitive to the fact that different people have different needs in fulfilling their financial obligations, we are providing the following payment options.
Care Credit- Care Credit offers special financing and low monthly payment options, no up-front costs, and no prepayment penalties with 12 months interest free. Click Here to Apply Now
Dental Savings Plan
No insurance? No Problem! Valley Dental now offers an exclusive Dental Savings Plan.
We have noticed in our practice that many individuals and families face a challenge with dental premiums and the overall cost of their dental wellness. We now have a solution to offer our patients! Our Dental Savings Plan offers no deductibles, no yearly maximums and no waiting periods to begin treatment. Patients will now have access to savings on personalized, yet affordable dental care without the hassles of traditional insurance. This plan includes your preventative dental care at no additional cost to the member.