Payment Options & Dental Insurance
Dental care can seem expensive, but neglecting your oral health can be even more costly. As a dental specialist, Dr. Howard Steinberg provides advanced dental procedures and complex treatment plans that are often more expensive than those of a general dentist. Dr. Steinberg and his team want to provide you and your family with state-of-the-art, modern dental care, and that doesn’t come cheap. We encourage our patients to get involved in treatment decisions and to understand their financial obligations.
Our Payment Policy
Payment is due at the time of service, unless prior financial arrangements have been made. Payments may be made using cash, check, Visa, MasterCard or American Express. Unpaid balances may be assessed a finance charge.
With the advent of healthcare credit cards (CareCredit®, Wells Fargo Health Advantage® AccessOne®, Citi® Health Card, etc.), you can easily arrange financing for even the most expensive dental treatments.
Our Dental Insurance Policy
Dr. Howard Steinberg does not participate in insurance networks, nor does he subscribe to assignment from any dental insurance company. Although we are an “insurance free” dental practice, we do assist our patients with preparing the necessary paperwork and other documents required by their insurance companies in order to expedite the payment or reimbursement process. Regardless of insurance coverage or implied benefits, the patient is ultimately responsible for payment. We suggest you check your policy or call your insurance company to ask if they will cover a specific dental service rendered by an “out of network” dentist.
Questions about Dental Insurance
What Will Dental Insurance Pay?
No insurance company covers 100% of recommended dental treatment anymore, and many won’t pay for cosmetic dental procedures. However, your insurance company may help you with a portion of the cost. Traditional insurance plans and many PPO and PDO plans will pay something towards the cost of dental care performed by a dental specialist. Dr. Steinberg’s front office will help you submit any necessary documents to your insurance company. Because every insurance plan differs, and there is no way we can keep up with the changes, your insurance company or “carrier” is the best source of information for questions regarding benefits and payment.
Medicare, Medicaid and AHCCCS
We do NOT accept Medicare coverage for payment purposes. Unfortunately, Medicare does not cover the advanced dental procedures that Dr. Steinberg regularly performs. Also, we don’t accept Medicaid or AHCCCS as a means of payment. Medicaid reimbursement rates for dental providers are way too low.