Our office is considered out of network for all insurance companies. Therefore, our patients pay us directly for the services rendered at the time of the appointment. You will then be reimbursed by your insurance company directly a portion back. As a courtesy, we will file these insurance claims for you, and then you will receive payment. (Think about it kind of like a rebate!) If you'd like to read more, please read our "Breaking Up With Insurance Companies" blog post or contact our office for more questions.
If you don't have dental insurance, consider joining our own Membership Plan.
Plans start at $25/month.
At Cultivate Kids, we believe in delivering high quality care to children, but we also want to make it affordable. Consider "breaking up" with your dental insurance company. Our membership plan has no waiting period, no annual maximum, AND no deductibles, and no CONFUSION.
Also, you will receive 10% off of any dental procedures by joining our Membership Plan through Kleer.
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, but this is not true. Most companies only pay between 50-80% of the average total fee. If your insurance stated they will pay 100% of a procedure, it is based on the insurance company's fee list (called an UCR list) and not the individual dentist's fee list.
Fact 2: Insurance benefits are not determined by our office.
Your insurance benefit is determined by your specific plan. We have no input on what your insurance pays for procedures, and each insurance company has their own set of fees and guidelines. 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 exceed the UCR used by the company. Unfortunately, insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low.