Payments & Insurance

Navigating the financial aspects of dental care should be straightforward and stress-free. At Mosaic Dental, we are committed to ensuring that every visit is smooth, starting with clear and simple payment and insurance processes. Whether you're coming in as an individual or as part of a family unit, our Troy, MI, dentists and dedicated team are here to provide comprehensive support, helping you make the most of your insurance coverage and explore various payment options suited to your needs.

Pay Online

Learn more about what our Troy, MI, dental office accepts and a helpful overview of how insurance like this works.

Types of Insurance & Payment Accepted

We accept all insurance but only participate with Delta Premier, Principal, Cigna, and Aetna Dental Extend. We also accept all forms of payment, cash, check, all major credit cards, CareCredit, and Prima Health Credit.

If you’re not familiar, CareCredit is a healthcare credit card used to pay for out-of-pocket expenses not covered by dental insurance. CareCredit allows you to make monthly payments making it a great option if you’re on a budget or don’t currently have dental insurance. Once you’re approved, you can use the card nationwide for other procedures, treatments, medications, and more.

Prima Health Credit is similar in that it helps patients pay for a variety of elective, outpatient, and routine procedures. Applying to either option is easy and both are subject to credit approval. Questions? Our staff is happy to help!

Understanding Dental Insurance

Dental insurance is designed to make dental care more affordable, helping you manage the costs of preventive treatments and more complex procedures. Here’s a basic guide to understanding some key terms and tips on how to maximize your dental insurance benefits:

• Premium: This is the amount you pay, usually monthly, to have dental insurance.
• Deductible: Before your insurance covers any services, you need to pay a certain amount out-of-pocket annually. This is your deductible.
• Co-payment: This is a fixed amount you pay for a dental service directly at the time of your visit, with the remainder covered by your insurance.
• Co-insurance: Unlike a co-payment, co-insurance is a percentage of the cost of a treatment that you pay after meeting your deductible.
• Annual Maximum: Most dental plans have an upper limit on the amount they will pay within one year. Once you reach this limit, any additional costs will be out-of-pocket.

How to Make the Most Out of Your Benefits

1. Understand Your Plan: Each dental plan is unique, so it’s crucial to understand your specific benefits, limits, and exclusions. Review your plan details or contact your insurance provider to clarify any questions.
2. Preventive Care: Most dental insurances cover preventive services like cleanings, check-ups, and X-rays at 100%, often without a deductible. Taking advantage of these can prevent more serious and expensive problems later on.
3. Schedule Regular Visits: Regular dental visits not only keep your oral health in check but also ensure you're utilizing your annual maximum before it resets.
4. Pre-authorization: For more extensive procedures, getting pre-authorization from your insurance provider can ensure that the services are covered under your plan, and it helps you understand what portion of the bill you will be responsible for.

Call Our Office Today

By familiarizing yourself with these aspects of dental insurance, you can take full advantage of your benefits and make informed decisions about your oral care with our dentists in Troy, MI. Call Mosaic Dental today at (248) 528-2270 to schedule your next appointment.