INSURANCE & FINANCING
No surprises
on the invoice.
We verify your benefits before treatment is planned, and offer six financing options for whatever insurance does not cover.
HOW IT WORKS
The number comes first
Bring your insurance card to the first visit. We verify your plan, apply your benefits to the proposed treatment, and give you a written estimate of what you will owe before anything is scheduled.
Where a plan covers part of the work, we sequence treatment so you use the benefits you have this year rather than losing them. Where it covers none of it, we say so plainly and talk about financing.
If a claim is denied or underpaid, our front desk handles the appeal. That is our job, not yours.
Nobody should have to decide about their teeth and their budget in the same breath. We give you both numbers and let you take them home.
DR. NIOSHA VAKILIAN, DDS
WHAT WE HANDLE FOR YOU
Benefit verification before treatment
Claim submission on your behalf
Pre-authorization for larger cases
Appeals on denied or underpaid claims
INSURANCE
Most major PPO plans accepted
Call with your plan details and we will confirm your coverage before you come in — no obligation.
If you have PPO coverage
We are in network with most major PPO plans and bill them directly. You pay your portion, we handle the rest of the paperwork.
Check your plan
If you have no insurance
Plenty of our patients pay out of pocket. You get the same written estimate up front, and the financing options below are open to you.
Ask about costs
FINANCING
Six ways to spread the cost
All six are third-party lenders. Applying takes a few minutes and most give an answer the same day.
Terms, rates and approval are set by each lender, not by Valencia Dental Office. Ask our front desk which option tends to suit your treatment and we will walk you through it.
ESTIMATE YOUR PAYMENT
See the monthly figure first
An estimate only. Your actual rate and term come from the lender once you apply.
BEFORE YOU APPLY
Bring or ask for your written treatment estimate first — the amount you finance should be the final figure after insurance, not a guess.
Several lenders can pre-qualify you without a hard credit check, so it is worth checking two before committing to one.
Our front desk does this every day. Tell them your treatment and they will point you at the option that usually suits it.
COMMON QUESTIONS
What patients ask about cost
If your question is not here, the front desk will answer it on the phone in a couple of minutes.
Do you take my insurance?
We are in network with most major PPO plans. Call with the name of your plan and we will confirm your coverage before you come in, at no cost and with no obligation.
What if I have no insurance at all?
A good number of our patients pay out of pocket. You get the same written estimate before treatment, and all six financing options are open to you.
Will you tell me the cost before you start?
Always. Treatment is presented with the sequence, the timing and your out-of-pocket figure in writing. Nothing is scheduled until you have seen it.
What happens if my claim is denied?
Our front desk resubmits it and handles the appeal. You are not asked to negotiate with your insurer yourself.
Can I split treatment across two benefit years?
Often, yes. Where the work is not urgent we can sequence it so you use this year’s remaining benefits and next year’s allowance rather than losing either.
Do you offer a plan for families without insurance?
Ask the front desk. We will look at the treatment your family actually needs and tell you honestly whether financing or paying visit by visit works out better.
BOOKING
Ask what it will
cost first
Call and describe what you need, or bring your insurance card to a first visit and we will put the number in writing before anything is booked.
ACCEPTED AT THE DESK
Most major PPO insurance plans
Credit and debit cards
HSA and FSA cards
Cash and cheque
Six third-party financing lenders
