Insurance and Financing

At Naperville Dental Studios, we believe that everyone deserves access to high-quality dental care without financial stress. Our goal is to make your experience as seamless as possible, from your first consultation to the completion of your treatment. We provide transparent cost estimates, flexible payment options, and assistance in understanding your insurance benefits.

Transparent and Honest Cost Estimates

Before any treatment begins, you will receive a detailed treatment plan that includes a breakdown of all applicable fees. Our team will review the plan with you and, whenever possible, provide an estimate of your insurance coverage.

We understand that dental treatment is an essential investment in your health, and we want you to feel confident about every step of the process.

Payment Options

All charges are payable at the time of service unless prior arrangements have been made. To make payments convenient, Naperville Dental Studios accepts:

• Cash
• Visa, Mastercard, and Discover
• Most dental insurance plans
• CareCredit® Financing

For patients seeking flexibility, we proudly offer CareCredit®, a healthcare financing option that allows you to proceed with necessary or elective dental treatments on a payment plan that fits your budget. CareCredit® offers several repayment options, including interest-free financing for up to 12 months for qualified applicants.

If special financial arrangements are needed, please speak with our team. We will work with you to create a personalized solution that fits your needs and helps you receive the care you deserve.

Understanding Dental Insurance

Many patients assume that dental insurance functions the same way as medical insurance. However, dental insurance is structured more like a benefit plan that helps cover costs rather than fully covering all procedures.

Most traditional dental plans have an annual maximum benefit, typically between $1,000 and $1,500. These limits have remained essentially unchanged since the 1970s, even though the cost of dental care has increased significantly. As a result, most insurance plans will cover preventive and some basic restorative treatments, but may not cover more advanced procedures in full.

At Naperville Dental Studios, our experienced team will help you understand your plan details, including:

• Annual maximums and deductibles
• Eligible and ineligible services
• Waiting periods and coverage percentages
• Frequency limitations on specific treatments

We will gladly handle the submission of your insurance claims and accept assignment of benefits when possible. Our team will make every effort to help you receive the maximum benefits allowed under your plan.

However, it is essential to note that insurance estimates are approximate. The final cost may vary depending on the specifics of your policy and your insurance company's claim processing. Any remaining balance after insurance payment is the patient's responsibility.

Patient Responsibility

Your dental insurance is a contract between you, your employer, and your insurance company. Because policies can change frequently, sometimes without notice, it is always a good idea to stay informed about your coverage.

Our team encourages patients to review their benefits carefully during open enrollment or when policy updates occur. While lower-cost plans might seem appealing, they may not provide the preventive or restorative coverage you and your family need for ongoing care.

If your policy, eligibility, or maximums change, it may affect your out-of-pocket costs. Should your treatment exceed your plan's coverage limits, we will discuss alternative options and payment solutions to help you continue your care comfortably.

Insurance Plans

We accept most traditional and PPO dental insurance plans. Our team works closely with many major providers to ensure our patients have convenient access to the care they need.

We are also planning to be in-network with the following insurance providers soon:

• Delta Dental
• MetLife
• BlueCross BlueShield
• Cigna
• Aetna
• Guardian
• Anthem
• Anthem Blue Cross
• Humana
• UnitedHealthcare

Please get in touch with our office to confirm participation or ask about specific coverage details. Our staff is happy to help you verify your benefits and answer any insurance-related questions.

Our Commitment

At Naperville Dental Studios, we are committed to helping every patient achieve and maintain a healthy, confident smile without financial barriers. Whether you have insurance or are exploring financing options, we will work with you to make dental care affordable, transparent, and stress-free.

If you have questions about your insurance coverage, billing, or payment options, please do not hesitate to contact our office. Our friendly team is here to guide you through the process and ensure you receive the care you need with clarity and confidence.

Call us today to learn more or to schedule your appointment.