Paying for Your Care

We at Cameo Dental are committed to making high quality dental care accessible to our patients and their families. We offer a wide variety of payment options, including most major dental insurance plans.

Payments due to the practice can be made in person or over the phone. We accept cash, check, and most major credit cards as forms of payment, including Visa, MasterCard, Discover, and American Express.

What If I Don’t Have Dental Insurance?

It is a common misunderstanding that you need dental insurance in order to see a dentist. We have many patients who receive care without dental insurance coverage, and we work with each patient individually to help make it affordable. Depending on the extent of dental care needed, we can help to develop individualized payment plans to spread out the cost of necessary dental care over several months.

Can I Use My Health Savings Account (Or Flex Spending Account)?

Health Savings Accounts (or Flex Spending Accounts) are a great way to help cover the cost of care. Patients can often use money set aside in these accounts to help pay for dental services. We are happy to help you by providing documentation needed for reimbursement.

Is There Additional Financial Help?

For patients that need a third-party financing option, we do accept Care Credit, a healthcare credit card that can be used for preventative, restorative, and cosmetic dental services for you and your family. Visit for more information.

Dental Insurance & Benefit Plans

Our team is here to help you to fully utilize your dental insurance and benefit plans. This starts with a careful determination of your dental care needs. We develop treatment plans that reflect what is necessary and appropriate to keep your mouth healthy and for you to achieve your oral health care goals, and we work with most major dental insurance companies. As a service to you, we will submit claims on your behalf, whether you are in or out of network.

Do You Take My Dental Insurance?

In order to best serve our patients, we accept plans from most major dental insurance providers, including Delta Dental, MetLife, Medica, Cigna, UnitedHealthcare, Premier Dental Group, HealthPartners, PreferredOne, and many more. However, just because we accept plans from a certain company, that does not necessarily mean we accept your specific plan. Contact your dental insurance provider to confirm that we are in your network. This will help assure that you can fully utilize your dental insurance benefits. You are welcome to contact our business staff for additional questions and assistance.

How Does Dental Insurance Work?

What is a deductible? A yearly maximum? A waiting period? An explanation of benefits? Will my insurance cover my care?

Dental insurance can be a challenge to understand and navigate. We’re here to help you through it!

Below we have answered many of the most common questions surrounding dental insurance coverage. We encourage you to contact the Cameo Dental team if you need further assistance in understanding your individual coverage and care. We can help you answer many general questions, and we may direct you to your insurance provider for more specific questions about your policy.

Dental Insurance Terminology

You’ll hear a lot of special terminology when it comes to your dental insurance plan. Some of it can be very confusing! Here are a few basic definitions to help you along the way. Please know you’re always welcome to contact the Cameo Dental team for assistance in understanding your insurance benefits.

Deductible – A set dollar amount that a person must pay for covered services in a set period of time (usually a calendar year) before a dental plan pays benefits.

Waiting Period – A period of time that a person must wait from a plan’s effective date before a dental plan’s benefits become active.

Maximum Benefit – A maximum dollar amount that a dental plan will pay toward the cost of covered services in a given period of time (usually a calendar year).

Explanation of Benefits (EOB) – A document detailing the portion of dental services that will be paid by the insurance plan and the patient’s out of pocket responsibility (if applicable). The EOB is not a bill.

Preauthorization – A statement from the dental benefit provider outlining what services may be covered under the terms of the individual benefit contract.

Copay – An arrangement with a dental benefit provider in which a person pays a specified amount at the time of service.

I Received an Explanation of Benefits (EOB) – What Does It Mean?

An Explanation of Benefits (EOB) is a document detailing the portion of dental services that will be paid by the insurance plan and the patient’s out of pocket responsibility (if applicable). Once a claim is submitted, it often takes 6-8 weeks before an EOB is received. The EOB is not a bill, it simply outlines what you may owe above and beyond what was covered by your insurance benefits. Cameo Dental will contact you directly regarding payments due to the practice. We can work with you to develop an individualized payment plan to help spread out larger payments over several months, if needed.

How Do I Pay the Balance After Insurance?

Payments due to the practice can be made in person or over the phone. We accept cash, check, and most major credit cards as forms of payment, including Visa, MasterCard, Discover, and American Express.

Will My Dental Insurance Cover the Cost of My Care?

Your dental treatment needs are determined by your dental healthcare provider, based on your individual needs, and not by your insurance provider.

It is important to understand that dental insurance plans can be much different than medical insurance plans. Dental insurance plans often are not designed to cover all of the treatment you may need. This may be due to a limited maximum benefit, or limitations on the types of procedures covered.  It is important to understand your individual benefit plan.

Your smile is important to us, and your provider will inform you of the risks of declining or delaying treatment based on insurance coverage. Know that there are other resources, like flexible spending accounts or Care Credit, to help pay for your care.

We will help in every way we can to file a claim on your behalf and assist you in understanding your coverage. Your insurance may cover all, a portion of, or none of your dental visit. Please understand that Cameo Dental does not decide whether or not a service is covered by insurance. Your individual insurance provider makes those decisions.

Coverage depends on many things, as determined by your insurance provider, including your deductible, your yearly maximum, and any applicable waiting periods. Cameo Dental is always happy to submit a preauthorization to your insurance company at your request when possible. Keep in mind that a preauthorization is not a guarantee that an insurance provider will pay for your treatment, and it can often take some time, which may delay necessary treatment. If you have questions regarding your benefits or why your care wasn’t covered, please contact your insurance provider directly.
Like Cameo Dental on Facebook!