Insurance & Financial Policy

Quality without compromise. Willard Dental is a fee-for-service practice. Your treatment is planned for what’s best for your health—not limited by insurance rules. This lets us use top labs and materials, reserve unhurried time with Dr. Willard, and deliver care that’s truly personal.

How we partner with your benefits

• We work with most PPO dental plans (including many Medicare supplemental dental PPOs) as an out-of-network provider.

• As a courtesy, we submit claims and documentation on your behalf and help you pursue any eligible reimbursement.

• We do not participate with HMO/DMO plans, Medicaid, or discount-only plans. You’re welcome to see us out of network; we will be fully transparent about fees in advance.

• Insurance estimates are just that—estimates. Final responsibility for the account rests with the patient once the plan processes the claim.

• Want help reading your EOB or understanding your coverage? Our Patient Care Coordinator is happy to review your plan with you.

WHAT TO EXPECT

• Preventive care: We submit your claim as a courtesy; your estimated patient portion is due at the appointment.

• Restorative & cosmetic care (with insurance): We collect your estimated portion at the visit and file the claim. When the plan finalizes:

  • If it pays more than expected, we promptly refund the difference.

  • If it pays less, the remaining balance becomes your responsibility.

• Without insurance:Payment in full is due at the time of service.
  

ACCEPTED PAYMENT METHODS

• Cash or check

• Credit cards: Visa, MasterCard, Discover, American Express

• Apple Pay / Google Pay

• CareCredit financing (apply online or in-office)
  

TEXT-TO-PAY (Easy & Secure)

After insurance posts, we can text you a secure payment link for any remaining balance. Pay from your phone and receive confirmation by text or email—fast, private, and convenient.

CareCredit® makes it simple to move forward with larger treatment plans by breaking costs into comfortable monthly payments. It’s a healthcare credit card with promotional financing options designed for dentistry, so you can begin care now and pay over time—without compromising on quality. The application is quick, with decisions in minutes, and you can use it for follow-up visits, too. Explore your options and apply using the link below (subject to credit approval).

APPLY FOR CARECREDIT NOW