Paying for treatment

With an in-network plan, the practice submits the claim and you pay what your plan decides you owe. Without one, you pay the practice directly. A deposit is taken at booking for surgical appointments. For larger treatment plans there are third-party payment plans through CareCredit, Cherry and Sunbit, and a practice membership plan for patients without dental insurance. We tell you the fee for your case in writing before you book, not after treatment.

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Dr. Peter K. Cudjoe passing a printed treatment plan across a desk to a patient

In writing

The estimate is written down before you book.

The number you are given at booking is the number you see on the day, unless the clinical findings changed what was done. That caveat travels with every estimate we give, and you are told before anything proceeds.

Payment options

Terms, rates and eligibility are set by each provider and published by them. We do not quote their terms, because they change and we would be quoting them wrong.

Pay on the day

Card, debit or bank transfer for your share. The fee you were given in writing does not change unless the clinical findings changed what was done, and you are told before that happens.

Third-party payment plans

CareCredit, Cherry and Sunbit each run their own application, usually with a decision in a few minutes and no effect on your credit to check. You apply directly with them; we do not hold the agreement.

The membership plan

For patients without dental insurance. An annual fee covers a set of included services and a reduction on the rest. Ask for the current schedule and we will send it to you in writing rather than publish a number that may be out of date.

Deposits

A deposit is taken at booking for surgical appointments and comes off the balance on the day. It is refundable if you cancel with reasonable notice; the policy is stated when you book, before you pay.

Dr. Peter K. Cudjoe seated in an armchair, speaking with a patient whose back is to the camera

Why there are no prices on this page

Florida requires any advertised fee to carry a minimum-fee disclaimer, the exact procedure code, and a stated availability window of at least 90 days. Rather than publish a number hedged into uselessness, we give you the fee for your own case in writing at your consultation. With an in-network plan, the practice then submits the claim and your plan decides what you owe.

Questions about paying

What happens if my claim is denied?

You are told, along with the reason your plan gave. What you owe is decided by your plan's decision on the claim. If you want to ask your plan to reconsider, staff can tell you what records the practice holds for your visit.

Why is the final bill different from the estimate?

The practice does not promise what your plan will pay. Staff review your insurance details before the visit, but your plan decides what you owe once it processes the claim, and that can depend on your deductible, frequency limits in your policy, or the surgeon finding something that changed what was done.

Can I split payment across two plans?

Ask before your visit. Give staff the details of every plan you hold and they will review them. The practice submits claims to the dental plans it is in network with; whether a second plan pays anything is decided by that plan.

Do you offer payment plans directly?

Not in-house. Arrangements are through CareCredit, Cherry or Sunbit, which means the terms are theirs, they are regulated as consumer credit, and you can compare them against anything else you have.

What if I cannot afford the treatment plan?

Say so. There is often a sequence that spreads treatment over a longer period, or a more limited option that addresses the immediate problem. That is a conversation worth having before you decline treatment rather than after.