Financial Options
We understand that everyone’s finances are different. Therefore, we have many options for your financial arrangements so that you can proceed with the treatment that you need and want. We accept cash, check, Visa, Master Card, American Express and Discover cards. We can also help you with your Flex Spending or Health Savings Account. For extensive treatment plans, we provide a 5% discount if your treatment is paid in full with check or cash prior to beginning treatment. You may also extend your payments to 3 months without interest by paying one half prior to beginning treatment and the balance in three equal installments.
Your smile is yours forever, and we want to make it as easy as possible for you to receive the best dental care when you need it. We offer Care Credit which will allow you to finance your treatment interest free for up to 6 months.
The cost of your treatment will vary depending on your individual needs and treatment plan. We will discuss with you the cost of your treatment and each of your available payment options before you begin, so that you can make the best choice for you.
Fulton Dental Wellness Program (FDWP)
With all of the changes in health insurance, there have also been many changes in dental insurance plans. Many dental insurance plans continue to raise premiums while paying out less, and less benefit for you, the patient. The maximum that your insurance will pay for you per year, or Cap, on most plans has been the same since the 1980’s- usually $1000-$1500 in any one year, while your monthly premiums have risen and percentages that the insurance pays for you, the patient, has lessened! We are happy to offer you with a great alternative to these high-priced, restrictive insurance plans. Or, if you do not have dental insurance currently (which is the majority of our population), this is also a great plan for you. The FDW (Fulton Dental Wellness) Programprovides you with a lot of benefits without the headaches, deductibles, payment caps, exclusion of certain procedures such as cosmetic work, and many other restrictions. For a low monthly payment(lower than many dental insurance premiums) or payment upfront for the year(which saves you one months payment and is what most of our patient’s choose), you will get your 2 regular cleaning visits(along with the bite-wing x-rays, Doctor’s exams, Oral cancer screenings, and preventative fluoride treatments, at what amounts to a discounted price(This means that the amount you pay per month for the 12 months in the FDW program is less than just paying for your 2 cleanings). You also get a free Panoramic X-ray(Large x-ray that goes all the way around your head to look for any pathology- cancer, tumors, cysts, etc.) once every 3 years (a $145 Benefit). By joining the FDW program, You are in charge of your money- no more paying extra to the insurance company than you could have just paid for what you had done. No more unused benefits disappearing when the year starts over. No more raised premiums while getting your benefits cut and worse yet, denied all together.
With the FDW Program, you not only get a discount on your Hygiene visits , you also get many other benefits. It guarantees you at least a 10% discount on any work that you may need or want- No restrictions. This means the discount is good for any and all procedures- even “Elective” and “cosmetic” procedures that insurance companies exclude. There are also no Deductibles, no limits to the amount of benefit, and other perks such as one emergency exam at no cost each year. We invite you to Click here for more information and to apply.
Our practice accepts and files all dental insurance plans
Our office staff is always available to help you with insurance claims and paperwork. We will handle all of the work for you- filing claims electronically and attaching x-rays, pictures, or writing narratives when necessary, to help expedite and maximize your benefits. Our financial agreement, however, is with you, the patient, not the insurance company. Your overall Dental Wellness and overall health will always be our Number 1 concern. We want to help keep your mouth, gums, teeth, and smile as healthy as possible, and with that in mind, we will not let a dental insurance company dictate any of your treatment. We love our patients and treat them as if they are part of our family and how we would want to be treated.
Care Credit
Care Credit is a healthcare credit card designed for your health, beauty, and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. Care Credit offers a special financing option with no interest for 3, or 6 months. It’s easy to apply and you’ll receive an answer almost immediately. Our practice partners with Care Credit to give our patients multiple financing options.
Complimentary Cost Analysis
We would be happy to do a Complimentary Cost- Analysis of your current Dental insurance plan. As every plan and situation differs, we have helped many of our patients save money by switching to our FDWPlan. We have also had those patients who are getting their existing dental insurance at a very good/discounted rate(Because their employer is paying for all or part of the premium) and have advised those patients to keep their current plan. We understand that insurance- premiums, co-pays, deductibles, limits, etc. can get confusing, and we also understand that Dental Insurance is vastly different from health insurance. We would be happy to take a look at your situation and try to help you make the best decision for you.
If you do not currently have dental insurance, we also would be happy to show you how the FDW plan can save you money while keeping your mouth in great health.
Simply call the office at 205-822-3838 and we will be happy to talk to you.
