Payment & Insurance
Your payment or co-pay is due at the time of service. If your treatment requires more than one visit, payment is due at the first visit. For your convenience, we do accept credit cards: Visa, MasterCard, Discover and American Express, as well as debit cards, checks and cash. We can process your credit card payments over the phone or you can set up to pay our office with your on-line banking account for easy payment! You are always welcome to pay in advance on your account.
Dr. Waters is contracted with Delta Dental of New Mexico (City of Clovis and other employers), Metlife, and United Concordia, Ameritas, Lincoln, and Principal. We accept most dental insurances and file claims as a courtesy with your carrier. In some cases, you will be asked to pay for your services at the time of your appointment and we will request your insurance company reimburse you when they apply their payment. It is always best to contact your dental insurance company before seeking treatment with any dental office, so you will understand your coverage, deductible, co-pay, maximum and what your insurance coverage assists you with for your dental care.
Dr. Waters' is not contracted with any medical insurance company and is therefore considered a "non-network" provider. In some cases, especially with TMJ treatment, it is necessary to file claims with your medical insurance company. Since Dr. Waters' is not a contracted medical provider, you will be asked to pay for your treatment at the time of service. Your medical insurance may send payment to you as reimbursement. We highly advise you contact your medical insurance company before being seen for treatment, so you are informed about your coverage, deductible, co-pay and maximum.
We will do our best to help you maximize your insurance benefits to assist with your dental care. We are happy to request Pre-Authorization estimates in advance of your treatment from your insurance company at your request, so you will have an expectation of your co-payment. However, Pre-Authorizations are only an estimate and not a guarantee of payment by your insurance company. It is your responsibility to know and understand your coverage and benefits. Ultimately, your account balance is your responsibility.