Insurance & Finances

At Cole Family Dentistry, we believe that you deserve the best dental care available today. As a cutting edge dental practice, we provide the most current dental technology to our patients and will work to assist you in maximizing your dental insurance benefits if they apply to you.

Our office is a fee-for-service office. That means that we bill your dental insurance company as a courtesy, and when we can, ask the insurance company to pay our practice directly. However, this also means that any balance that is not paid by the insurance is the patient’s responsibility. Keep in mind that you have the contract with the dental insurance, not our office. Even though we can give you an estimate of what your dental coverage may be, it is the patient’s responsibility to know his or her dental benefit plan. In some instances, there may be additional monies due after we receive the insurance payment.

When you schedule for dental treatment, we will give you an estimated amount due, if any, and collect that portion in full at the time services are rendered. We gladly accept cash, check, Visa, MasterCard, Discover, and Care Credit. Care Credit is a finance option that can allow us to extend interest free financing up to twelve months depending on the charged amount. If this is an option you would be interested it, you can either complete an application here in our office, or you can go to the Care Credit website ( and apply in the privacy of your own home. Keep in mind that the portion we are collecting is an estimate.

For our un-insured patients, we ask for payment in full at each visit. We will gladly accept the same forms of payment from our non-insured patients as those listed above.

If you have any questions regarding our insurance and financial policy, please do not hesitate to ask. Also, if your dental insurance changes for any reason, please call our office, and we can help you better understand any modifications.


Cole Family Dentistry Participates with the Following Insurance Companies: 

United Healthcare (Limited PPO Plans, CHIP for Kids)
OneNet (Limited PPO Plans)
Lincoln Financial Group (Limited PPO Plans)
Stonebridge Life Insurance (Limited PPO Plans)