Financial Information

Affordable Payment Plans

Your child’s smile can last forever, and we want to make it as easy as possible to receive the best dental care whenever needed.

Our practice accepts most major credit cards and insurance plans

We are in-network with the following insurance programs:

• Delta Dental
• Cigna
• Tricare through United Concordia (military)

We also accept the following insurances

• MetLife
• Aetna
• Premera
• Regence Blue Shield
• Guardian
• United Concordia (Non-TRICARE)
• Assurant
• Lifewise
• GEHA
• Principal

The following insurances we are NOT a provider for:

• DSHS, Washington Apple Health, Provider One, Molina
• Deltacare (we accept Delta Dental, Deltacare is a specialty subset plan only available to corporate dental offices)
• Willamette

Payment is due in full for each appointment as services are rendered. Payment for treatment is expected at the time of service from the parent/guardian who brings the child(ren) in for treatment. Treatment plans may change, and the consenting guardian will be responsible for the work actually done.

If you have dental insurance, we collect your estimated portion that is not covered by insurance. We offer the following payment options:

1. We accept cash, check, or debit card
2. We accept VISA, MasterCard, Discover, and American Express.
3. Patients with insurance: estimated portion not covered by insurance due at time of service
4. Payment plans available through Carecredit
5. Patients without insurance: Payment for dental services are due at the time of treatment, 5% cash discount offered

Our primary goal is to provide the highest quality of dental care to infants, children, and adolescents. As a condition of your child’s treatment by this office, financial arrangements, including estimated insurance benefits, must be discussed and made in advance.

Our office is committed to helping you maximize your insurance benefits. Although you may present us with insurance information, we cannot guarantee coverage due to the complexities of insurance contracts.

Insurance policies vary greatly from family to family. Keep in mind that the relationship is between your family, the employer, and your insurance carrier. As a courtesy to you, we will prepare and file claims for your family. Please note that this financial guideline is subject to change at any time without notice.

It is your responsibility to know and understand your individual benefits because every plan is different. We are unable to know exactly how much your insurance will cover until we receive payment from the company on submitted claims.

If your insurance does not cover a portion of the treatment performed, you will be responsible for the balance. Though we make every effort to collect payment from your insurance, we are not responsible for how your carrier handles its claims or for what benefits it may choose to pay on each claim.

If, after 90 days, your insurance company has not submitted payment to our office, you are responsible for the entire balance, paid in full.

Fillings: Dr. Davidson uses only white fillings (composite resin), not amalgam. Please be aware that many insurances will downgrade to or pay white fillings at the silver (amalgam) filling rate. The difference in cost is your responsibility.

Divorce: In case of separation or divorce, the parent who authorizes treatment for a child will be responsible for the subsequent charges. If the divorce/separation decree requires the other parent to pay all or part of the treatment costs, it is the authorizing parent’s responsibility to collect from the other parent.

Should the parent holding the insurance for the child(ren) be the party NOT authorizing treatment, the parent authorizing treatment must provide sufficient contact information for the insured parent.

Appointment Guidelines: Please keep in mind that once an appointment is made, that time is exclusively reserved for that patient. We ask that you be on time and ready for treatment. We require a minimum of two business days’ notice for any rescheduling.

While we understand that sometimes situations (i.e., sickness, family emergency) are outside of your control, we strive to show courtesy to all our patient families, including those who are on a waiting list for your appointment time.

A fee may be applied to your account if an appointment is missed or canceled without sufficient notice. (Fee may be waived at office’s discretion.)

Past Due Accounts: If your account becomes past due, we will take the necessary steps to collect this debt. Finance charges of 1.5% per month (18% APR) may be applied on any balance that is 90 days past due. The responsible party agrees to pay all service fees, attorney fees, and court costs associated with collecting payment for services rendered. Collection fees of up to 40% are added to the account when it is turned over to an outside agency.

For Our Patients with Dental Insurance: Because we understand that dental insurance plays a role in helping many people defray some of the costs of dental care, we would like to share with you the following facts about dental insurance.

Dental insurance is not meant to be a pay-all; it is meant only to assist in paying for your dental care. Dental insurance plans do not necessarily correspond to individual patient needs. Many routine and necessary dental services are not covered, even though it may be in your benefit to have those services provided. Our responsibility is to provide you with the best treatment for your needs, not to try to match your care to insurance plan limitations.

In spite of what your plan says, we’ve found that many plans actually pay less than what you might expect. The benefits your plan pays are largely determined by how much your employer/union pays in premiums for the plan.

The less they pay for the plan, the less you will receive from your insurance. We are happy to submit your claims and help you receive the maximum benefits due to you, but please understand that we cannot accept responsibility for collecting an insurance claim, or for negotiating disputed claims.