Richard Hardt, D.D.S. Insurance Information

Understanding your dental insurance doesn't have to be complicated.

Making Dental Insurance Simple and Straightforward

Many patients worry about whether their dental insurance will be accepted or how much their treatment will cost. At Richard Hardt, D.D.S., we work with all major insurance plans and handle the paperwork on your behalf, making it easy for you to focus on your oral health. Our experienced team understands the intricacies of dental insurance and will help you maximize your benefits, providing transparent and upfront cost estimates for all treatments.

Before we dive into the details, you may also want to review our complete financial options to understand all the ways we make dental care affordable and accessible for our patients.

Insurance Information

We Accept All Major Dental Insurance Plans

While we operate as a fee-for-service practice, we welcome patients with all types of dental insurance coverage. Our team will file claims directly with your insurance company and provide you with detailed treatment estimates that show your expected coverage before you begin treatment.

As an out-of-network provider, we offer you the flexibility to receive care from experienced professionals without the limitations often imposed by network restrictions. Many of our patients are pleasantly surprised to discover that their out-of-network benefits provide excellent coverage for their dental care needs.

Maximizing Your Benefits and Payment Options

Understanding out-of-network benefits can seem confusing, but our knowledgeable team makes the process straightforward. Out-of-network benefits typically reimburse you directly for a percentage of your dental care costs, even when you choose a provider who isn’t contracted with your insurance network. These benefits often provide substantial coverage and give you the freedom to choose the dental practice that best meets your needs, rather than being limited to a specific network of providers.

We verify your insurance coverage before treatment and work strategically with you to plan procedures in a way that maximizes your annual benefits. Our team handles all the paperwork, submits claims on your behalf, and provides clear explanations of what your insurance will cover and what your out-of-pocket costs will be.

For treatments not fully covered by insurance, we partner with CareCredit to offer flexible financing options. CareCredit frequently offers promotional financing terms, including 0% APR options for qualified applicants, making it easier to receive the comprehensive care you need for optimal oral health.

Frequently Asked Questions

Common questions help us better serve our patients and their families.

Do you accept my specific insurance plan?

Yes, we work with all dental insurance plans. While we’re an out-of-network provider, we’ll file claims directly with your insurance company and help you understand exactly what your benefits will cover before treatment begins.

How do out-of-network benefits work?

Out-of-network benefits allow you to receive care from any licensed dentist while still receiving insurance reimbursement. Your insurance company will typically reimburse you directly for a percentage of the treatment costs, and we’ll provide all the necessary documentation to make this process as smooth as possible.

What if my insurance doesn't cover the full cost of treatment?

We offer several financing options through CareCredit and other payment plans to help make your dental care affordable. Our team will work with you to create a payment plan that fits your budget, whether you need preventative dentistry services or more comprehensive restorative treatments.