Dental Financing Options in St. Louis

PAYMENT

West County Dental is committed to providing the St. Louis community with the best family dental care in the most affordable and timely manner. Our fees our determined by the amount of time spent, the high quality materials used, and the precise laboratory work that may be involved. Every effort is made to keep down the cost of your dental care. You can help us by paying for your care at the time of your visit. If treatment will require several visits, you will be given an estimate and asked to make specific payment arrangements.

Please understand that filing insurance claims is a courtesy that we extend to our patients. And although you have insurance coverage, you are responsible for the payment of your account. We will estimate your insurance co-payment at the time of your appointment and require payment of that amount at the time services are rendered. For your convenience, we offer several payment options:

  • Cash
  • Credit card: we accept Mastercard and Visa & Discover
  • Financing: offering 12 month interest-free payment plans.
CareCredit Finacial Option

Offering 1 year 0% for general treatment and for Invisalign treatment.

INSURANCE

We will be happy to assist you in the processing of your insurance claims. We strive to help you receive your maximum benefits under your policy, but please remember that the relationship is between you and your insurance company, and you are ultimately responsible for payment. We are not responsible for how your company handles its claims or for what benefits they pay on a claim.

Common Questions About Insurance:

Do you take my insurance?

If you belong to a traditional insurance plan (sometimes called an indemnity plan) we can assist you by filing your insurance claim. Traditional dental insurance is typically one in which you can choose any dentist you desire. If you are not sure what type of plan you have, call us, we will be happy to help.

Why doesn't my insurance cover the cost of my dental treatment?

Dental insurance isn't really insurance (defined as a payment to cover the cost of a loss) at all. It is actually a benefit, typically provided by an employer, that helps employees pay for routine dental treatment. The employer usually buys the plan based on the amount of the benefit and how much the premium costs per month. Most benefit plans are only designed to cover a portion of the total cost of treatment.

Dental insurance benefits differ greatly from general health insurance benefits. In 1971, dental insurance benefits were approximately $1000 per year. Figuring a 6% rate of inflation a patient should be receiving $4,549 per year in dental benefits. Premiums have increased, but benefits have not. Dental insurance is never a pay-all, it is only an aid. The patient gets back only what the employer puts in, less the profits of the insurance company. Remember, the goal of the insurance companies is NOT to help the patient obtain the best quality dentistry. Their mission is to garner profit for the insurance company stockholders.

But my plan says that my exams and certain other procedures are covered 100 percent?

That 100 percent generally refers to what the insurance carrier allows as payment towards the procedure, not what West County Dental or any other dentist in the St. Louis area may actually charge for that service.
I received an Explanation of Benefits from my insurance carrier that says my dental bill exceeded the "usual and customary". Does this mean that the dentist is charging more than he should?

Many carriers refer to their allowed payments as UCR, which stands for "usual, customary, and reasonable". However, this does not mean exactly what it seems to mean. UCR is actually a listing of payments for treatment negotiated by your employer and the insurance company. The payment listing is related to the cost of the premiums and the geographical area where you live. An insurance company surveys the geographical area, calculates an average fee, takes 80% of that fee and considers it customary. Included in this survey are discount clinics and managed-care facilities, which bring down the average. In almost all cases, the UCR payments are usually less - and frequently much less - than what any fee-for-service private practice dentist in the St. Louis area may actually charge for these dental procedures.

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