Financial Information

Financial Information

Let us help you navigate the financial side of your treatment.

Do I need dental insurance to receive treatment?

Nope! Although dental insurance can be nice to have, it is not necessary in order to receive treatment—and, in some cases, it’s not even beneficial.

Unlike medical insurance, dental insurance isn’t meant to cover all your procedures, or even the majority of them! It’s a supplemental insurance, and it normally works best when covering a single major service per year. Although the deductibles are often low, the maximum payments normally are, too.

So first of all, don’t worry if you don’t have insurance. We’ll work with you.

Also, out-of-network doesn’t mean out-of-coverage, or that your insurance won’t pay a portion. Things work a little differently in dentistry than the rest of medicine. All it means is that we don’t have a direct contract with your insurance provider. If you have a PPO and are out-of-network, there will be coverage, but you’ll receive payment from your insurance company directly as the patient, instead of us receiving the payment as your provider.

We promise to submit your claim for you in a timely manner so you can get reimbursed quickly. Since we do this electronically, reimbursement doesn’t take long at all—usually within the same credit card cycle, so your reimbursement check can be used to pay the credit card charge.

Secondly, if you’re considering enrolling in insurance before your procedure, go ahead and schedule a consultation with us first. We can walk you through your expected costs with and without insurance. What you may not realize is many insurance companies require long waiting periods and high premiums to get started. During your consultation, we can create a pre-treatment estimate first that will help you make an educated decision on whether insurance is right for you.

You might find dental insurance doesn’t actually save you money, or it slows down your process too long to wait.

We’re here to help you understand your options, so don’t hesitate to give us a call. We always have your best interest at heart, and we promise to be compassionate, transparent, and honest, every step of the way.

What insurance plans do you accept?

Ballantyne Endodontics accepts all PPO dental insurance plans. If you have a PPO plan, you get to pick your own provider, often with no difference in the amount you’ll pay.

If you have questions about your specific plan, feel free to contact us, or ask us during your evaluation. We will always verify your insurance information prior to your appointment.

We will handle all filing with your insurance provider, so you get the maximum back possible.

Will an out-of-network provider be more expensive than an in-network provider?

It’s possible there could be a difference in price between in-network and out-of-network providers, but the difference will probably be almost negligible—generally no more than $100 or $150. Upon your request, we can certainly work with your insurance and provide a pre-treatment estimate to help you determine the price with as much accuracy as possible.

If your general dentist has referred you to us, it’s because they trust you’ll get the best possible care with our office. We recommend you follow your dentist’s recommendation! We have a number of referring dentist partners across the Charlotte area, and they continue to refer to us because we do a great job for their patients, and we’ve earned their trust over time. We hope you’ll allow us to earn your trust, too!

The most important thing to remember is, out-of-network doesn’t mean out-of-coverage.

Why did my general dentist refer me to Ballantyne Endodontics if it’s not within my network?

Just like your general practitioner might refer you to a cardiologist, general dentists refer their patients out to endodontists when you need their expertise.

At the end of the day, if your dentist referred you to us, it’s because they trust the excellence and precision of our doctors and team, not because we’re in-network for your insurance.

Insurance companies have profits first in mind, but your dentist is making their recommendation for you to come see us based on what’s best for your health.

We truly care about you on a personal level, and we take the time to get to know you and fully explain your diagnosis and treatment options. We have been in the business for over a decade and consistently get excellent reviews from our patients. We also use advanced technology, which may be unavailable at other endodontics practices, because we know it helps us treat you with the highest quality care.

At the end of the day, we hope you’ll see your oral health the way we do: as an important investment in your overall health and wellbeing. We hope you’ll choose an endodontist with your health top of mind, regardless of your insurance network.

How can I pay for my treatment?

We are committed to providing the highest quality care at the most reasonable cost to you. We’ll always make sure you’re aware of all charges associated with your treatment before it begins.

We offer several different payment options for your convenience.

  1. You can pay for your treatment in full, then receive reimbursement directly from your insurance provider. This will get you the fastest possible reimbursement and claim settlement.
  2. You can pay through third-party financing like Care Credit. Click the links to apply online and to get approval before your treatment.

Please note that payment is due at the time of service.

What payment methods do you accept?

We are happy to accept Visa, MasterCard, Discover, and American Express. We are unable to accept personal checks.

How long will it take for my insurance to reimburse me after my appointment?

It normally takes an average of 2-3 weeks for you to receive your reimbursement check. However, wait times depend on your insurance plan, so please double-check with them.

Have another question? Give our friendly team a call.