Office Policies

Carmel Dental Associates Policies

Dental Insurance

Dental Insurance is different from Medical Insurance. Many patients aren’t familiar with the specifics of their dental insurance benefits. Your dental benefits are based on the agreement your employer negotiated with your insurance carrier. Please review the insurance benefit booklet provided by your employer to better understand the benefits they make available as part of your insurance coverage. The patient payment portion covered for procedures varies depending on the coverage provided by your employer.

An estimate of the amount covered by your insurance company will be provided at the time of your treatment, based on the information they provide to us. The estimate is never a guarantee of benefits or the amount that will be paid. We will file all insurance claims as a courtesy to our patients. This does not however, transfer the responsibility of your financial obligation to the insurance company. If the amount paid by the insurance company is less than or greater than the estimate, then you will be billed the difference or issued a credit on the account in the event of an overpayment. Please let us know if you have questions about our financial policies or financing options prior to your treatment.

We are In-Network providers for: Delta Dental Premier Plans and Assurant Dental Insurance

For other insurance companies: We work with mostly all PPO Plans (Preferred Provider Organizations) to facilitate the claims process and to maximize your yearly allotted benefits. The patient is only responsible for the difference of what the insurance company does not cover.

CareCredit ® Financing

CareCredit® is available to help you pay for dental procedures your insurance doesn’t cover. CareCredit® offers both No Interest* financing or low minimum monthly payment options so you can take care of your dental health.

With three simple steps, including an instant approval process, it’s easy to apply for CareCredit. Click the blue button below for more information or to apply for financing.

CareCredit in Carmel - Dental Financing
CareCredit® Information and Application