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Dental treatment is an excellent investment in an individual's medical and psychological well-being. Financial consideration should not be an obstacle to obtaining this important service. It is our policy to ask that our patients pay their portion of the fees for their treatment at the time treatment is rendered. We can estimate that amount prior to scheduling.

However, we are sensitive to the fact that not all our patients will be able to fulfill our request for payment at time of service. Therefore, except for the initial visit, we offer numerous payment options that will be discussed prior to any treatment. On the initial visit, payment in full is due. Following your initial visit, the following payment options are available:

Total patient obligation may be divided as follows: 50% due at the first treatment visit, with the remaining balance split into two equal payments due 30 and 60 days after the first treatment visit. This option is available only if the total obligation is greater than $500 (if less than $500, the full amount is due at the initiation of the procedure). Note: balance payments will be written at the initiation of treatment, post-dated for 30 and 60 days--our guarantee: If a post-dated check (or credit card charge) is deposited prior to the date on the face of the check or (charge agreement) we will credit your account for an amount equal and in addition to the payment!

With loan approval from Wells Fargo, Adlard Dental will pay your interest for one year. This option is available only if the total fee is $300 or over. The payment is computed by dividing the total amount of the fee by 6 or 12.

On some occasions, Adlard Dental may extend financing to patients who do not qualify for conventional outside financing or who have other extenuating circumstances. These cases are handled on an individual basis and are subject to the following pre-qualifications:    1. A patient must have a genuine desire to attain and maintain an optimum level of oral health. 2. The patient must be able to come up with a minimum deposit prior to starting treatment, usually at least 35% of the total estimated treatment plan. 3. The patient must maintain a verifiable banking relationship and be willing to have the payments for treatment directly withdrawn from their checking or savings account or the checking or savings account of their guarantor. Outstanding balances for "In House" financing are subject to an interest rate of 1.5% monthly or 18% APR. If you would like to be considered for this option please contact a member of the Adlard Dental team.

In many cases dental treatment fees can be combined with other outstanding obligations and consolidated into a patient's refinance on their primary residence. This option can often times reduce the actual cost of dental treatment significantly due to the deductibility of the interest on the loan. Be sure and consult your tax professional to see how it applies to your situation. For more information, email David Adlard at or click here to apply online:

All first visits whether emergency or other wise require payment in full or proof of insurance at the time of the initial visit. The above arrangements are available for patients that have been seen by Adlard Dental at least once and have received a complete and comprehensive exam and treatment plan. Forms of acceptable payment are listed below. In emergency situations Adlard Dental will also hold a post-dated check. • In order to facilitate access to the very best health care possible, you may choose from any of the following (including any combination thereof): Visa, MasterCard, American Express, Discover, Cash, Money Order, or other payment options as listed above. Any balance still on the books greater than 60 days old will incur a finance charge of 1.5% per month or 18% APR. Any checks returned to Adlard Dental for insufficient funds will be electronically debited from your account along with a return fee of $20.  • It is our pleasure to assist you by completing your claim forms. If your carrier is up to date (in over 70% of the cases), the claims will be transmitted via computer modem before the end of the treatment day! As a courtesy, in addition to filing the claim, we will initially ask you only for your estimated co-payment. Please understand that this is only an estimate, and is based upon the information available to us.

The range of benefits depends solely on what your employer wishes to purchase. Some plans may cover as little as 30% or as much as 100% of dental services, with most falling in the 40% to 80% range.

Some plans base the amount of the benefit on a schedule of fees arbitrarily developed by the insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your dental plan. For example, if your plan states that it will pay 80% of the cost of the specific treatment, it means 80% of the fee arbitrarily determined by the insurance company and not the actual fee charged by our office.

The financial obligation for the dental treatment is between you and our office. The insurance company is responsible to you, and not to our office. We will assist you in any way that we can (including our new high tech electronic claims submission). Once your carrier has paid the claim, any difference will be due upon receipt of our statement. If for any reason, we have not received your insurance carrier's payment 90 days after the claim, the remaining balance will be due and payable by you, and subject to 18% APR.