Payment Policy

Payment is due at the time services are provided.

• As a fee-for-service practice, patients are responsible for payment directly to our office at the time of treatment. Insurance benefits do not change your financial responsibility, and payment is due at the time services are provided.

• We accept:

  • Cash

  • Cashier's check

  • Zelle

  • Major credit and debit cards:

    • Visa

    • Mastercard

    • American Express

    • Discover

  • FSA/HSA cards with Visa, Mastercard, American Express, or Discover logos

  • We do not accept PIN-only or non-branded health benefit cards or CareCredit.

• For larger treatment plans, our office can discuss customized in-office payment arrangements.

Financing

• Our office also offers Cherry Financing for qualified applicants..

• To learn more about Cherry Financing, you can apply & see what your monthly payments could look like:

  • Cherry Financing Page

Insurance Policy

Narrative Dentistry is a fee-for-service, out-of-network dental practice. This means we do not participate with or contract with any dental insurance plans.

Patients with PPO plans that include out-of-network benefits may be eligible for reimbursement from their insurance company. However, payment for services is due in full at the time treatment is provided.

As a courtesy, our office may assist with submitting dental insurance claims after treatment is completed. Insurance coverage and reimbursement decisions are determined solely by your insurance company according to the terms of your individual plan.

Your dental insurance plan is a contract between you (or your employer) and your insurance company. We encourage all patients to review their benefits and confirm coverage directly with their insurance provider before treatment.

Dental Insurance Claims

As a courtesy, Narrative Dentistry may assist patients with submitting claims after treatment has been completed for dental plans that provide out-of-network benefits, including many PPO plans.

Submitting a claim does not guarantee reimbursement. Your insurance company determines coverage, payment amounts, and claim decisions based on your individual plan.

For out-of-network claims, reimbursement is typically issued directly to the patient. Narrative Dentistry does not accept assignment of benefits and is not responsible for insurance claim decisions, payment amounts, processing times, or denials.

Pre-Authorizations (Predeterminations)

Pre-authorizations are estimates of insurance benefits only and are not guarantees of payment. When appropriate, Dr. Pham may submit a pre-authorization as a courtesy on a case-by-case basis.

Medicare Opt-Out Provider Policy

Narrative Dentistry is a Medicare opt-out provider, meaning we do not participate in Medicare billing.

We cannot bill Medicare or submit claims to Medicare for reimbursement for services provided at our office. Medicare patients who choose to receive treatment at Narrative Dentistry must review and sign a Medicare Private Contract acknowledging financial responsibility for services provided.

This agreement applies only to treatment received at Narrative Dentistry and does not affect your Medicare benefits or care received from other Medicare providers.

Because Medicare generally does not cover routine dental services, this typically has little impact on dental care.

• To learn more about what Medicare Opt-Out means, click the link here.

Important Insurance Information

• Please remember:

  • Submitting a claim does not guarantee reimbursement or payment.

  • Every dental insurance company and plan is different.

  • Your dental insurance policy is a contract between you, your insurance company, and your employer (if applicable).

  • Because every dental insurance plan is different, we encourage patients to review their benefits and contact their insurance carrier with questions regarding coverage.

Click here to read about 5 things Dr. Diana Pham wished patients understood about dental insurance.