Finance and Insurance

Insurance and Finance

With so many reasons to smile in Philadelphia, we want everyone to feel confident in sharing each of theirs.  Unfortunately for many, the omnipresent concerns of budget gets in the way of dental care.  If finances block access to care, not only can the look of a person's smile suffer, their health can be put in jeopardy.

Here at Smile Maker PA, we make it our mission to comprehensive dental financing so that you can fit a treatment plan into your budget. Our goal is to maximize your insurance benefits, and make any remaining balance easily affordable.  If you have any questions regarding your insurance benefits, please don't hesitate to call our office at 215-969-2015 to review your concerns.  Our fees are based on the quality of the materials we use and our experience and expertise in performing your needed treatment.  If you would like to review these financial arrangement options with one of our team members in advance of treatment, please don't hesitate to call our office at 215-969-2015.

Half of the total treatment cost is a deposit, and must be paid before any treatment (that requires multiple visits) starts.  Unless other arrangements are made, the full balance is due by the completion of treatment.  We do accept Visa, MasterCard, and Discover payments. Please ask a member of our staff about our 12-month interest-free financing option and 15 % discount.  There is a $30 fee for any bounced checks. Any balance past due for more than 60 days, is subject to finance charges.

If you have insurance coverage, please remember that insurance is considered a method of reimbursing the patient for fees paid to the doctor, not a substitute for the payment.  Some companies pay a fixed allowance for certain procedures, while others pay a percentage of the charge. You are responsible for the deductible amount, co-insurance (co-payment) or any other balances not paid by the provider.  We accept many types of Dental Insurance. To be confident you should call the Our Dental Office at 1-215-969-2015 to verify whether or not we take the type of insurance you have.

Dental Plan, PPO, or HMO? What's the Difference?

HMO – (Health Maintenance Organization) Is a form of health or dental insurance combining a range of coverages on a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO can handle referrals.

PPO – (Participating/Preferred Provider Organization) – Is a health or dental care organization composed of physicians, hospitals, or dentists that provide services at a reduced fee. A PPO insurance is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPOs may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policy holder.

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  • 11880 Bustleton Ave, Philadelphia, PA 19116