Financial Information

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Insurance and Payments

Southern Smiles is Cameron’s only certified pediatric dentistry specialty practice that is in-network with all major dental insurance carriers, allowing you to utilize your benefits fully, and easily.  When you are looking for a provider in Cameron and surrounding areas, consider the following:

Good Out of Network Payer files claim

Parent pays full fee

Parent must file their own claim to be reimbursed by their insurance carrier within 60-90 days

Better Out of Network Office files claim

Parent pays full fee upfront

Office files claim, parent receives reimbursement within 60-90 days

BEST In- Network Office files claim Parent pays co-pay only and receives preferred pricing compared to full fee.

In-network with major dental carriers

As an in-network provider with all major dental insurance companies, we offer you the ultimate in convenience and flexibility, and are happy to file your primary insurance claim, and answer any questions you have about your plan.  Our networks include:

  • Blue Cross Blue Shield of NC
  • Blue Cross Blue Shield – Federal
  • Metlife and Metlife/Tricare/US Armed Forces
  • Dentemax (and affiliate programs like AlwaysCare)
  • Delta Dental of North Carolina
  • Ameritas
  • Assurant
  • Cigna
  • United Concordia
  • Aetna

Additionally, there are many smaller insurance plans that fall under Dentemax or other networks that we participate in.  Please call (910) 947-KIDD to ask questions, or verify your insurance.

In-house insurance plan

Don’t have a dental insurance plan for your child? Give us a call. Our “in-house” insurance plan includes cleanings, xrays, exams, and a significant discount off most services, so that your child can get back to having a healthy and happy mouth, all at a very affordable price. As always, we offer payment plans and easy ways to get your child’s treatment completed, through our relationship with CareCredit, and also CitiHealth. Call 919.263.3068 for more details or apply for CareCredit now.

How does insurance affect my child’s treatment?

WE are concerned with your child, and making recommendations and decisions with YOU- not your insurance company. Regardless of what your insurance company is, Dr. Ray and his staff will ALWAYS give you treatment options based on your child’s oral health, not based on insurance coverages. We have found some companies want us to be more extreme or aggressive with dental treatment than what is appropriate or safe for your child. Others want to reduce cleanings and fluoride to once every 12-18 months- these “vegas odds” companies are betting against your child’s health. We will recommend cleanings and fluoride every 6 months or as needed, for each child’s specific situation.

There is no direct relationship with your insurance company, so we have no say in how your insurance company handles its claims or for what benefits they pay on a claim. However, we can assist you in estimating your portion of the cost and we will verify your benefits prior to treatment whenever possible. Please bring a copy of your current card, so we can provide you with accurate pricing for each visit. If you have any questions, we’re here to help! Just give us a call at (910) 947-KIDD.

If you are new to our office, and you would like to verify coverage with your insurance company, the typical services (with dental codes) we perform on the first visit include:

0150 – Comprehensive Oral Evaluation

0272 – Two Bitewing Radiographs

1120 – Cleaning

1208 – Fluoride Varnish

Payment

Your co-pay or your portion of the payment is expected at the time of service. With certain insurance plans, pre-payment prior to initiation of services may be necessary. We will do our best to inform you if this applies to your particular insurance plan. Any balance that is not covered by your insurance is the responsibility of the parent/guardian. Accounts that are past due over 30 days are subject to be sent to collections. Please help us avoid this step by paying your bill promptly.