Our Office Insurance & Financial Policies

Understanding Dental Insurance

We understand that insurance, "in-network' and "out-of-network" can be confusing and have put together several articles to help make things easier to understand.

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Dental Insurance

Our office is contracted as an “in-network” provider with most major insurance companies. For your convenience, we will submit information to these or other insurance providers for you. Please bring your insurance information with you to each appointment

If you are a patient without insurance or using a discount plan, you will be responsible for payment of your account in full either in advance or at the time of service.

If you are a patient with insurance, you understand that this insurance policy is a contract between you and your insurance company. It is your responsibility to know the particular coverage pertaining to deductibles, co-payments, patient portions and provider lists. We always try go the extra mile to help our patients understand and utilize their insurance effectively.  Please feel free to discuss your insurance plans and coverage levels with us.

We are In-Network Providers for the Following Insurances

  • Aetna PPO
  • Aetna DMO
  • American Dental Professional Services
  • American Dental Care Advantage -
    25% Discounted Plan
  • American Dental Professional Services/Freedom –10% Discounted Plan
  • American Health Systems 25% Discounted Plan
  • Ameriplan-25% Discounted Plan
  • Ameritas PPO
  • Appleton Dental Plan 20% Discount Plan
  • Assurant PPO
  • Banner
  • Blue Cross Blue Shield
  • Careington-Care15 PPO 15% Discounted Plan, Care PPO 20% Discount, Care POS 20%
  • Cigna PPO
  • Cigna DHMO
  • Connection Dental
  • De-Care
  • Delta PPO
  • Dentemax
  • DHA
  • EDS-25% Discounted Plan
  • Fortis-25% Discounted Plan
  • Fourstar-25% Discounted Plan
  • Great West
  • Guardian PPO
  • Health Plus
  • Humana PPO
  • Lincoln Financial Group
  • MetLife PPO
  • PacifiCare
  • Principal PPO
  • Safeguard
  • Savon-25% Discounted Plan
  • Secure Care
  • Signature-GE Financial (Fee Schedule)
  • SmileBright-25% Discounted Plan
  • Southwest Preferred Dental Organization-25% Discounted Plan
  • TDA
  • United Heath Care
  • UniCare-15% Discounted Plan
  • United Concordia
  • Well Point BC/BS PPO

Payment Options

We have a variety of fee arrangements to ensure payment of any portion not covered by insurance is affordable. We accept most major credit cards (MasterCardVisaAmerican Express & Discover) and also offer flexible payment options through outside financing with Care Credit. We will be glad to discuss these options with you at your visit.

Prepayment in Full for the Amount of the Treatment

Payment in full for complete treatment at the end of the consultation in order to receive a 5% discount on the fees for treatment. Payment can be made only with cash or personal check. This option applies only for patients without insurance.

Prepayment in Full for the Amount of the Patient Portion at the Consultation Appointment

Payment in full for estimated patient portion at the end of the consultation.

Payment in Full for the Amount of the Patient Portion on the Day of Service

Payment in full for estimated patient portion at the time of service.

Third Party Financing for Payment of the Patient Portion at the Time of Service

Establish third party financing arrangements with Care Credit for patient portion amounts greater than $500. The financing company will distribute funds to Desert Ridge Periodontics and Implant Dentistry upon completion of the service. The patient will be responsible to settle the balance owing to the financing company on a predetermined schedule.

In-House Financial Arrangments for Scheduled Payments

For certain treatments that are completed over time, payment can be scheduled throughout the treatment period. Let the staff know if you wish to be considered for this type of payment plan.