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Patient Financing

Most of our patients tell us they want dentistry that is done right the first time. They want the longest lasting, most dependable, most comfortable, and most attractive treatment they can have. That’s also what we see as the best, and in the long run, the most economical dentistry.

Dental insurance differs greatly from medical insurance. While medical insurance has nearly unlimited lifetime coverage after meeting the co-pay or deductible, most dental plans have a very low annual maximum benefit, which has not increased since their inception in the early 1970’s. However, inflation has caused an increase in related fees, such as lab fees, dental supplies, and labor costs – even the cost of your annual insurance premium.

The benefits purchased for you were based on the amount your employer budgeted for buying insurance – not on your needs or the needs of others on the plan. No one from the insurance company checked your teeth, or asked you what kind of dental health was important to you. That’s okay. That’s our job.

We want to assure you that in this practice we will always make recommendations based on what we believe to be the best for you; never on what your policy covers.

We will help you to understand the existing conditions of your mouth, how they occurred, and what you can do about them. We’ll talk with you about options and help you understand the implications of choices you make.

We encourage you to look at dental insurance as an aid in achieving your goals. Dental insurance was never designed to pay for everything everyone in the plan might want; only to defer some of the cost of some of the treatment its customers might choose.

Can I continue to use my dental insurance?
While Dr. Caughey’s office does not participate with any insurance plans, her team will be happy to submit for you any insurance paper work at the time of treatment.

Why won’t my insurance pay for my treatment plan?
Dr. Caughey has invested in a significant amount of continuing education and technology, ensuring that you will receive the best care available in modern dentistry. We believe you deserve the best health care available. That may mean a more expensive procedure that will actually conserve natural tooth structure and last far longer than the cheaper alternative.

How can I make my treatment more affordable?
Because dental insurance most likely doesn’t meet your dental needs and usually does not cover cosmetic procedures, we offer many financial arrangements that can help you achieve your treatment goals. By making arrangements in advance, you can spread out your payments for up to five years, making your treatment affordable. For information on patient financing please visit our dental plan website.