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Dental Insurance & Financial Information Sunnyvale

Dental Insurance & Financial Information Sunnyvale

Dental Financials

We want you to feel completely satisfied with your experience at our office, including the financial arrangements. In Sunnyvale Dental Care, we believe that the best financial arrangements are clear and transparent. When it comes to financials, we want you to feel comfortable, pressure free and happy with your dental investment. Please never hesitate to ask questions about paying for your dental care, because we offer many flexible payment options.

Payment Options

You have multiple options for payments available. For your convenience, we accept cash, checks, Visa, MasterCard, Discover, American Express and CareCredit.

The Lending Club Payment Plans

Our office partnered with The Lending Club, a trusted name in patient financing, to bring you dentistry that fits your budget. Qualified applicants will enjoy:
  • NO down payment
  • NO interest for up to 24 months for qualified applicants
  • NO prepayment penalties
  • Low interest loans
  • Long-term loans
  • Easy online payment option
  • Easy online application process
The Lending Club has established stellar reputations. Visit them online to calculate your monthly payment and apply for financing that will improve your health, your smile, your life!

Dental Insurance

Our practice accepts most dental insurance programs used by major employers in our area. Our staff has extensive experience dealing with insurance companies. We will help you better understand the complexities of dental insurance; we realize how confusing it can be. Most contracts have limitations, waiting periods and/or various degrees of co-payments. We will be more than happy to submit all insurance forms for you and help you recover the most from your benefits. We will do everything we can to help you afford the treatment you need and want.

Accepted Dental Plans

You are always free to select any dentist you want, and by selecting a dentist who is a preferred provider you minimize your out-of-pocket expenses. As a preferred provider, we have negotiated reduced rates with these companies for many of our services. This means that instead of being responsible for our normal fees, you are only responsible for the negotiated fees. Ask your insurance company for specific information regarding your plan. Some of the many insurance companies that we are a preferred provider with are listed below:
  • Aetna Dental
  • Ameritas
  • Anthem Blue Cross
  • Assurant
  • Avesis
  • Cigna
  • Delta Dental
  • Dental Benefit Providers
  • Dentegra
  • DenteMax
  • First Dental Health
  • Geha Connection
  • Guardian
  • Health Net
  • Humana
  • Maveres
  • MetLife
  • Principal
  • United HealthCare
Please understand this is not a complete list. Should you have a particular insurance company that is not listed above please contact our front office and they will be more than happy to check your particular insurance company.

Company Flex Plans

Your company may offer a medical spending account, which allows you to set aside pre-tax dollars to pay for your medical expenses. Please contact your employer for more details.

If you have any questions regarding your insurance benefits, please don't hesitate to call our office at 408-720-0900 to review your concerns. Our staff is always available to help you with your dental plan and can assist you as you decide on your best financing options

Our Office Financial Policy

Payment for Services

Estimate of Treatment: Before any dental care is provided, you will receive a detailed estimate of treatment to be performed.

Direct Payments

1. Payment in full: Payment for dental services will be collected in full when you arrive for your appointment. It is your responsibility to inquire regarding your approximate payment for your appointment, so you can arrive prepared to pay in full. When payment is made in advance and in full for treatment over $1000 we offer a 10 % bookkeeping courtesy discount for paying by cash or check or a 6% bookkeeping courtesy discount for paying by credit card. All checks will be validated against your drivers license and a check verification system. 2. Installment payment: Our office policy does not allow us to extend credit. For treatment over $300, you may qualify for an interest free retail dental loan through an outside financial institution. This will help you spread your payments over a period of up to 12 months! Simply request and complete a short application. Most approvals can be obtained in a few minutes. Firm financing must be secured prior to your appointment. Accepted methods of payment are cash, checks, most ATM cards, Visa, MasterCard, Discover, and American Express.

Patients with insurance

Please understand that the entire bill is ultimate your responsibility. As a courtesy, we will be happy to bill your insurance company for your care and give you credit for the estimated insurance payment amount. Just be aware that the actual insurance payment may vary greatly from estimated amount. Estimated co-payment and deductible will be collected at EACH appointment. We can not bill you for the co-payment or deductible. Treatment estimates are not a guarantee of payment. We base this "educated guess" on the information you have supplied to our office. It is your responsibility to make sure your eligibility continues throughout your treatment and to familiarize yourself with your insurance benefits, such as your effective date, deductible, and co-payments. Account reconciliation and final bill. Please understand paying your estimated co-payment does not mean that your account is paid off. If your insurance company fails to make payment within a reasonable 60 day period of time, you will be responsible for the full amount owed. It is therefore advised that you contact your insurance carrier to follow up on the payment. Upon receipt of the insurance payment, we will reconcile the account and a final bill will be rendered. Final payment is expected within 14 days. Should there be an overpayment upon reconciliation; a refund of any difference will be sent to you. Occasionally, an insurance company will send a payment to a patient. If this occurs, you agree to bring us the check with the attached stub. Information on the stub is very important!

Additional Charges

  • Late cancellations - if not cancelled prior to 48 hours before scheduled appointment: $25 per each half hour.
  • Broken appointments - if you do not show up for a scheduled appointment: $40 per each half hour.
  • Returned checks - for any reason: insufficient funds, closed accounts, etc: $25 per occurrence.
  • Overdue accounts & Late fees - any payment received more than 14 days after the due date: $25 per occurrence.
  • Account over 60 days - will receive a monthly service charge of 1.5% (18% per annum).
  • Account over 90 days - are submitted to the Collection Bureau unless prior arrangements are made.

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    Opening Hours:

    • Monday: 9 AM to 7 PM
    • Tuesday: 9 AM to 7 PM
    • Wednesday: 9 AM to 7 PM
    • Thursday: 9 AM to 7 PM
    • Friday: 9 AM to 7 PM
    • Saturday: 9 am to 2 pm (Appointment only)
    • Sunday: Closed