Insurance and Benefits Information

Maximizing Your Coverage While Providing Premium Holistic Care
No Insurance? No Problem

Our membership plans make it easy to prioritize your child’s oral health and overall wellness without the stress of insurance limitations or unexpected costs.

Take Advantage of Our Financing

We’ll always provide detailed treatment estimates and work with you to find payment solutions that fit your family’s budget and healthcare goals.

Patient checking in at the modern reception desk at Wellness Pediatric Dentistry

At Wellness Pediatric Dentistry, we are not contracted with any insurance provider. This allows us to provide care that is never dictated by insurance limitations — from the materials we use to the time we spend with your child. Our independence from insurance contracts means every decision we make is guided entirely by what is best for your child’s health and development.

Payment is collected at the time of service, and we will submit a claim to your insurance company on your behalf. Your insurance will then reimburse you directly based on your plan’s out-of-network benefits. Our team is happy to help you understand your coverage before your appointment so you always know what to expect.

Quality Care Without Compromise

Our approach to care is guided entirely by what is best for your child — not by what insurance companies will reimburse. This means we can offer extended appointment times, premium biocompatible and fluoride-free materials, comprehensive airway and sleep evaluations, and nutritional counseling without restriction. We believe every child deserves this level of attention and care.

Dr. Wengler explaining dental X-ray results to a young patient

Premium Materials

Freedom to use the highest grade biocompatible materials, fluoride-free alternatives, and BPA-free composites without insurance restrictions on material choices or quality levels.

Extended Time

Comprehensive appointments that allow for thorough evaluations, detailed education, and gentle care without the time constraints imposed by insurance reimbursement schedules.

Holistic Approach

Complete freedom to provide airway evaluations, sleep assessments, nutritional counseling, and other comprehensive services that support your child's overall wellness and development.

Patient checking in with Jon Wengler at the reception desk

Working with Your Insurance Plan

Even though we are not in-network with any insurance provider, many families are still able to recover a portion of their costs through their plan’s out-of-network benefits. Here’s how we support that process:

Pre-Treatment Verification: We contact your insurance company before treatment to verify your out-of-network benefits and provide accurate estimates of your expected coverage.

Claim Filing: We file all claims electronically on your behalf using proper coding to ensure maximum reimbursement from your insurance company.

Documentation: We provide detailed treatment notes and documentation to support claims and help ensure appropriate reimbursement for the comprehensive care provided.

Flexible Payment: We offer various payment options and timing to work with your insurance reimbursement schedule and family budget.

Understanding Your Out-of-Network Benefits

Out-of-network coverage varies by plan, but many families receive partial reimbursement for services. Common reimbursement ranges include:

  • Preventive Care: Often covered at 50-80% of usual and customary fees
  • Basic Restorative: Typically covered at 50-70% after deductible
  • Major Services: Usually covered at 40-50% after deductible

Note: Reimbursement is sent directly from your insurance company to you. Our team is happy to help you understand your specific plan before your appointment.

Annual Maximums and Deductibles

Out-of-network services may have separate deductibles and annual maximums. Our team can review your benefits with you and help you plan accordingly throughout the year.

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)

All dental services at our practice qualify for FSA and HSA reimbursement. We provide the detailed receipts you need to submit for these programs.

Jon Wengler welcoming patient at the front desk
Business cards and information materials displayed at reception desk

Making Quality Care Accessible

Membership Plans

Our in-house membership plans provide predictable costs for preventive care and significant savings on treatment services. These plans are particularly beneficial for families without dental insurance or those with limited out-of-network benefits.

Financing Options

  • CareCredit: Healthcare-specific financing with promotional interest-free periods
  • Cherry: Flexible payment plans with quick approval processes
  • Custom Payment Plans: In-house arrangements tailored to your family’s budget and treatment timeline

Family Discounts

We offer reduced fees for families with multiple children and provide flexible payment arrangements that work with your insurance reimbursement schedule.

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Ready To Transform Your Child's Dental Health?

Experience the difference that holistic pediatric care can make for your child. Our comprehensive approach combines gentle techniques with transparent communication to create positive dental experiences that last a lifetime. We’re here to partner with you in supporting your child’s overall health and development through expert oral care.

From fluoride-free alternatives to airway-focused orthodontics, we offer the choices and expertise your family deserves. Schedule your consultation today and discover how our unique approach can benefit your child’s health and wellness journey.

FAQ

Will my insurance cover any of the cost?

Many dental insurance plans include out-of-network benefits that can help offset the cost of your visit. Coverage varies by plan, but we’re happy to help you check your benefits before your appointment so you have a clear picture of what to expect.

How does insurance reimbursement work at your practice?

You pay for your visit at the time of service. We then submit a claim to your insurance company on your behalf. Your insurer will review the claim and send any reimbursement directly to you based on your plan’s out-of-network coverage.

Do you offer payment plans for families?

Yes, we offer multiple payment options, including in-house membership plans, CareCredit financing, Cherry payment plans, and custom arrangements. We work with families to create payment solutions that fit their budget while ensuring children receive necessary care without delay.

Can I use my FSA or HSA for services at your practice?

Absolutely! All dental services qualify for FSA and HSA reimbursement. We provide detailed receipts with the proper coding needed for these tax-advantaged healthcare accounts, helping you maximize your healthcare dollars.

What if my insurance denies coverage for certain treatments?

Our team provides thorough documentation and proper coding with every claim to support timely processing. If a claim is denied, we can provide additional records to assist with your appeal, though the appeals process is handled between you and your insurance company.

Are holistic treatments covered the same as traditional dental procedures?

Insurance companies typically reimburse based on procedure codes rather than specific materials used. For example, a filling is covered, whether we use traditional amalgam or biocompatible composite materials. This allows you to choose holistic options while still receiving insurance benefits.