Finances are likely a deciding factor when considering any medical procedure. Your overall well-being should take precedence, and we have a deep commitment to offering you the assistance you need. In doing so, we have a few payment options for you and your family.
Financing
We’re committed to making high-quality dental care accessible and affordable. That’s why we offer flexible financing options through Care Credit and Alphaeon Credit. You can take advantage of convenient monthly payment plans designed to fit your budget—so you never have to delay the care you need. Ask our team for more details during your visit!
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Like with most elective procedures, many dental coverage plans won’t cover optional cosmetic treatments. Many patients use our financing partners to receive the care they need with a reasonable payment plan.
Depending on the cost of the elected procedure, you can choose a 0% interest rate plan that lasts between 6-24 months. Rates are directly affected by loan size and credit history.
Insurance Plans
The good news is that dental insurance providers do cover general dentistry procedures. Insurers we accept include:
- Diversified Dental Services
We ask for a co-pay at the time of service, file your claim for you, then bill the insurance provider. Contact us for more help, and let us answer any questions you may have.
Understanding Out-of-Network Dental Care at Drs. Chin and Pharar Dental Office
At Drs. Chin and Pharar Dental Office, we are committed to providing the highest standard of dental care with a focus on personalized attention, advanced technology, and long-term oral health. As part of that commitment, our office operates out of network with dental insurance providers.
What Does “Out of Network” Mean?
Being out of network means that we are not contracted with a specific dental insurance company. While this may sound concerning at first, it simply means that we have chosen to work independently from insurance networks so we can provide the best possible care without being limited by the restrictions and requirements set by insurance companies.
Why Do Some Dental Offices Choose to Be Out of Network?
Dental offices that choose to be out of network often do so to maintain the freedom to prioritize patient care over insurance limitations. Insurance plans may restrict treatment options, impose low reimbursement rates, or require unnecessary delays in care. By staying out of network, we can:
- Use high-quality materials and labs without compromise
- Take the time each patient needs for high quality care
- Offer treatments based on what is best for your health, not what is covered
This approach allows us to deliver exceptional, tailored care that meets our high standards and supports your long-term oral health goals.
What Does This Mean for You as a Patient?
If you have a PPO dental insurance plan, you can have out-of-network benefits that help cover a portion of your treatment. Our team is happy to assist you by submitting insurance claims on your behalf so you can receive any eligible reimbursements directly from your provider.
Choosing an out-of-network provider means:
- You may pay for services at the time of your visit
- Your insurance may reimburse you a portion based on your out-of-network coverage
- You are not limited to the network’s list of providers, giving you the freedom to choose the dental team that best fits your needs
We believe that every patient deserves to choose their care provider based on trust, comfort, and quality—not insurance restrictions.
Making Exceptional Care Accessible
We understand that affordability is an important part of accessing quality dental care. That’s why we offer flexible financing options and an in-office membership plan designed to make routine care and treatment more manageable. Our goal is to ensure you receive the dental care you need in a way that works for your budget.
If you have questions about your insurance, out-of-network benefits, or our membership plan, please don’t hesitate to contact our friendly front desk team. We’re here to help you make informed choices about your dental health.
Set an Appointment
If you’re ready to begin treatment, take advantage of our financing options. Please have your insurance card ready, as you’ll need to schedule your appointment upon arriving at our front desk. We’ll see you soon!
