Payment & Dental Insurance Information

Don’t let worries over your budget keep you and your family from getting the happy, healthy smiles that you all deserve. At Kildaire Family & Cosmetic Dentistry, we offer affordable dental services and a number of flexible payment options so you can get the care you need when you need it.

Dental Insurance

Kildaire Family & Cosmetic Dentistry is very insurance-friendly. We accept and file all insurance. We are currently in-network with Cigna, Delta Dental Premier, and Blue Cross Blue Shield. Please feel free to call our office and inquire about how we file your specific dental insurance.

If you forget your insurance information, we will need your social security number or insurance ID number. Alternatively, you may contact the Human Resources Department at your workplace for your insurance information. You may also pay for your dental services in full, and we will file the claim for you for reimbursement.

Our staff works with you to determine your portion of treatment costs for procedures that are not covered by your dental insurance. If a copay is required, it is due at the time of your visit. If you have any questions regarding your dental insurance or benefits, our dental care team will gladly answer any questions you may have. We gladly accept cash and most major debit and credit cards for payment.

Dental Insurance FAQs

Everyone has a different dental insurance plan. However, there are several common questions patients may have about their payment and insurance in our Cary, NC dental office:

Why doesn’t insurance cover all my dental treatments?

Dental insurance is a monetary benefit applied by an employer and is based on the amount of the monthly premium cost. The patient, employer, and insurance company agree on the coverage, which can sometimes only cover a portion of a treatment’s cost. If you have a claim, you may discuss it with your workplace or your insurance carrier.

What if my insurance plan covers 100% of some dental procedures?

Insurance carriers apply 100% of the allowed amount to some procedures. However, if your dental treatment costs more than the allowed amount, there will be a leftover balance. Contact the Human Resource Department or Employee Benefits Coordinator at your workplace to help you understand the details of your plan.

What are insurance allowed amounts?

Allowed payments are often also referred to as UCR payments (Usual, Customary, and Reasonable). These are amounts agreed upon between the insurance company and your employer.

Allowed payments are based on geographical location as well as the cost to your employer. UCR payments are often less than what dentists in your area will charge for a dental procedure.

For example, some insurance plans allow 100% coverage for biannual dental cleanings at their allowed amount. Additionally, some insurance plans apply your deductible to preventive services. Different types of dental services may not fall under the allowed amount.

Dental Care Financing Options

For treatment costs not covered by insurance, we offer the option of third-party financing through Care Credit. Apply online today– qualified patients can set up monthly payment plans to suit their budgets.

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