Harbor Pediatric Dentistry

Insurance & Care Credit Options

In-Network Insurance

As children’s dentists in Huntersville, we participate with most major commercial insurance plans to ensure that we are providing exceptional care for all of the families in Huntersville, Davidson, Cornelius, and the surrounding Lake Norman communities. These plans include but are not limited to AlwaysCare, Ameritas, Blue Cross Blue Shield, Beam, Cigna, Delta Dental, Dental Select, DentaQuest, Guardian, Humana, Lincoln Financial, Mutual of Omaha, Principal, Reliance Standard, Sunlife, TeamCare, United Concordia, and United Healthcare.

When scheduling your child’s first appointment, we will ask for your insurance information so that we can verify their benefits and eligibility prior to their appointment. This information can be found on your insurance card or the insurance company’s website. We want to make sure there are no surprises during your child’s first appointment at our office. Additionally, at the end of the appointment, we file all dental claims on behalf of our families, as a courtesy.

Out-of-Network Insurance

We see many families at our office who have insurance coverage through the few companies with whom we are considered out-of-network. Typically, these companies still have great out-of-network benefits which can be applied to your child’s treatment. We often find that they match the coverage that is offered for their in-network providers. Many of our families who have coverage with these companies do not see a cost difference between our office and providers at other in-network offices. Regardless of network status, we will file dental claims as a courtesy on your behalf.

If you have any questions about your in-network or out-of-network coverage with our office, don’t hesitate to give us a call. We are always happy to talk through insurance benefits with our families.

Huntersville Care Credit

We want dental care to be accessible and as stress free as possible for all our families. We have partnered with CareCredit to offer a financing option to our families in cases where the costs of treatment may be a barrier to your child receiving necessary care. This is a great option when the costs of treatment exceed your insurance coverage or if your family does not have insurance coverage. Once a family has been approved for CareCredit, they can use the provided line of credit to pay for out-of-pocket expenses not covered by medical/dental insurance. Even if you choose to utilize CareCredit to cover your out-of-pocket costs, we will always file dental claims with your insurance provider on your behalf.

CareCredit is designed with families in mind, so they offer shorter term financing options with more flexibility than a typical credit card. Typically, families can choose between 6, 12, 18 or 24 months of interest-free financing on purchases of $200 or more when the minimum monthly payments are made and the full amount due by the end of the promotional period is paid. *

*Subject to credit approval.