Payments and Insurance
We are pleased to provide several financial choices that will assist you in obtaining your necessary treatment. We accept the following forms of payment for out of pocket expenses.
Cash or check as services are provided
MasterCard, Visa, American Express or Discover Card
We are happy to discuss the estimated fees and the options available for the treatment Dr. Kerr has diagnosed on your behalf and explained to you.
Please call your insurance provider to have your plan explained to you; As benefits are different from policy to policy within the same Insurance company.
If you have dental insurance, our office will gladly file your claim and assist you in obtaining the benefits you are entitled. We will allow up to 45 days for your insurance to pay, and after that we may ask for your assistance.
We accept:
Delta Dental, Premier Provider
MetLIfe
Humana
Stanislaus Foundation
Aetna
Premier Access
Ameritas
Cypress
Lincoln Financial Group
Principal Life Insurance Co.
Direct Dental
United Concordia
We accept most insurances. However, there are 3 kinds of dental insurances that we cannot accept are:
HMO - Health Maintenance Organization
PPO - Preferred Provider Organization
EPO - Exclusive Provider Organization
Any questions please call our office at (209) 369-0345
We do not take Medicare or any insurance companies that are offered by Medicare as they are EPO based; which means that they have their own exclusive dentists that the insured must see for covered treatment.
We are not a Preferred Provider with any insurance company, however most insurance companies will pay "out of network" . This may or may not result in additional out of pocket expenses for the patient once insurance pays.
An insured patient should be familiar with the type of insurance he/she has. One size does not fit all (One insurance name does not mean you have the same benefits as someone else even though they may have the same named insurance).
Please call your insurance provider to have your plan explained to you; As benefits are different from policy to policy within the same Insurance company.