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.