Dental Insurance

Financing Your Care

As a courtesy to our patients, we submit claims to your insurance company free of charge.  We will help you receive your maximum allowable benefits.  In order to do this we need your insurance card and/or insurance policy with you on your first visit and every calendar year (your insurance may not run January – December).

Dr. Harding will diagnose treatment based on your dental health not your insurance coverage.

Dental insurance is not really “insurance” (a payment to cover the cost of a loss).  It is actually a money benefit, typically provided by an employer, to help their employees pay for routine dental services.  The employer usually buys a 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 a person’s necessary dental treatment.

Dental insurance plans we work with:

  • Aetna PPO
  • Assurant PPO
  • Blue Cross Blue Shield PPO
  • Delta Dental PPO
  • Delta Dental Premier
  • Guardian PPO
  • Humana PPO
  • United Healthcare PPO
  • United Concordia PPO
  • Medicare (Humana and United Healthcare)

Payment options:

  • Cash
  • Check
  • VISA, MasterCard, American Express, Discover

Other options:

  • CareCredit: Apply online ( or in our office.

Please note: Payment is due at the time of service.

As a courtesy to you, we will bill your insurance company and track claims. Please keep us informed of any changes to your insurance plan. You are responsible for the fees charged by our office, no matter what your insurance coverage may be. Most insurance companies should respond to the claim within two to four weeks. Any remaining cost is your responsibility.

We are here to help! Please call for more information about financing your oral health needs in our office!