Insurance and payment

Plain-language insurance, said before the visit.

Dunning Family Dental is not in-network with dental insurance plans, but we submit claims as a courtesy. Patients pay the practice at the visit, then insurance reimburses the patient directly according to the plan.

Call with insurance questions New patient details

Insurance and payment transparency at Dunning Family Dental.

Simple mechanics, clear before the visit.

You get a written estimate before treatment beyond routine care, pay the practice at the visit, and your insurance reimburses you directly.

Honest, by design

How it works

How billing flows.

Five practical things to know before your first visit.

We submit claims for you

After your visit, we file the claim with your insurance company as a courtesy.

You pay the practice

Payment is due at the visit. Your insurance company sends reimbursement directly to you.

We estimate before treatment

Before treatment beyond routine care, we provide an estimate so you understand the expected cost and reimbursement.

CareCredit is accepted

CareCredit may help spread larger treatment costs across monthly payments.

Medicaid and Fidelis are not accepted

If Medicaid or Fidelis are your only benefits, another local practice may be a better fit.

Payment flow

How payment actually works for a typical visit.

The flow is deliberately transparent. You know the number before treatment starts, and the insurance reimbursement comes to you directly.

1

Estimate before treatment

Before any work beyond a basic exam and cleaning, you get a written estimate that includes both the practice fee and what your insurance is expected to reimburse.
2

Pay at the visit

At checkout, you pay the practice fee. Card, check, cash, HSA/FSA card, or CareCredit all work.
3

Insurance reimburses you

We file the claim within 24 to 48 hours of your visit. Your insurance sends the reimbursement check directly to you, usually within 2 to 4 weeks.

Why we are out of network

The rationale, said plainly.

We are out of network so the practice can preserve time, continuity, and the ability to recommend care based on the patient's actual needs. It keeps the conversation centered on health, not insurance math. That does not mean patients cannot use benefits. Many still do. The difference is that reimbursement comes directly to the patient after the claim is processed.

Talk through your plan

CareCredit accepted

Apply online or at the office. Spreading the cost of a larger treatment plan is straightforward.

No Medicaid or Fidelis

If Medicaid or Fidelis are your only benefits, call and we will point you to a local option that accepts them.

Common insurance questions

Practical answers, plainly written.

Do you submit to my insurance?

Yes, we submit claims as a courtesy except for Medicaid and Fidelis. Reimbursement depends on your specific plan. Call 518-842-3220 with your plan details for a realistic estimate.

Do I pay you or does insurance pay you?

You pay the practice at the visit. Your insurance company reimburses you directly, typically within 2 to 4 weeks. This keeps billing simpler than waiting on insurance before billing the patient.

How do I know what insurance will reimburse?

Before any treatment beyond a basic exam, the front desk will look up your plan's reimbursement schedule and give you a written estimate of what to expect. The actual reimbursement is determined by your insurer when they process the claim.

What if I do not have insurance?

You can still be seen. We provide estimates before treatment and accept standard payment options, including CareCredit. Many patients without insurance find the total cost is comparable to what an insured patient pays after reimbursement.

Do you accept HSA or FSA cards?

Yes, HSA and FSA cards can be used for eligible dental expenses. We accept them directly at checkout, no special paperwork needed on your end.

What about Delta Dental, MetLife, Cigna, Aetna?

Yes, we submit claims as a courtesy to any insurance company except Medicaid and Fidelis. Whether the plan reimburses well depends on your specific policy, not on the company name. Call the office with your plan details and we will give you a realistic estimate.

Ready to figure out the numbers?

A short phone call keeps the conversation specific to your plan and your situation.

A legacy of family dentistry you can trust.