At Schommer Dental, our goal is to maximize your insurance benefits and make any remaining balance easily affordable. It is important for you to understand that your dental insurance is a contract between you and your insurance company, which is set up through your employer. If you have concerns on the type of coverage, it is best to talk with your employer. All estimated co-pays and deductibles are due at the time of service. If you have any questions regarding your insurance benefits, please don’t hesitate to call our office at (563) 355-5177 and we will assist you with your concerns.
Our practice accepts most dental insurance programs. Insurance companies can be difficult and challenging to understand. No insurance pays 100% of all procedures. Dental insurance is meant to be an aid in receiving dental care. Many patients think their insurance pays 90%-100% of all dental fees. This is not true! It covers a limited amount of services in any given year. This limit can be anywhere between $500-$2500 per calendar year and, unfortunately, has not increased within the last 40 years, therefore, dental plans traditionally are good only for basic dental services such as routine check-ups, cleanings, and possibly some emergency treatments, like root canals and/or crowns.
Please understand that we file dental insurance as a courtesy to our patients. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion for the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim.
Most importantly, please keep us informed of any insurance changes such as policyholder’s name, insurance company, or a change of employment.
We offer multiple options for financing your dental treatment.
We offer a 5% discount if the total service is paid in full with check or cash on the day treatment is received. This does not include debit cards.
We accept major credit cards such as Visa and Mastercard.
We are also pleased to offer third party financing for our patients; CareCredit.
As a service to our patients, we are pleased to offer the CareCredit card, the nation’s leading patient payment program. With CareCredit you can finance 100% of your dental care and there are no upfront costs, no annual fees, and no pre-payment penalties. You can begin your treatment today and conveniently pay with low, monthly payments.
CareCredit offers a full range of payment plans so you can find one that works best for you. With the popular No Interest Payment Plans* there are no interest charges if you pay your balance in full within the specified time period. Monthly payments can be as low as 3% of your balance. For procedure fees from $1,000 and up, CareCredit offers 24, 36, or 48 month plan options with low monthly payments available.
CareCredit can be used by the whole family for ongoing treatment without having to reapply and by using CareCredit for your dental care, you can save your other credit cards for household or unplanned expenses. It only takes a few minutes to apply for CareCredit and you’ll receive an online decision in seconds! Apply Now or see our staff for more details.