Insurance & payment
Let’s make paying for your care feel simple.
Money should never be the scary part of going to the dentist. At Molar Town we keep our
pricing clear, help you make the most of any benefits you have, and always talk costs
through with you before treatment begins — so there’s nothing to dread and no surprises later.
A different model, on purpose
Care guided by you — not by an insurance company.
Molar Town is a fee-for-service practice. In plain terms: we’re out-of-network with dental
plans by choice, so that your treatment is decided between you and Dr. McQuirter — never
dictated by what an insurer will or won’t approve.
It’s the part many of our patients end up loving most. It means longer, unhurried
appointments, the same high standard of materials and care for everyone, and honest
recommendations with no pressure and no hidden math. Your benefits can still help you with
reimbursement, and we’ll show you exactly how — but they don’t get a vote in your care.
If you have dental benefits
Using your out-of-network coverage, made easy.
Many dental plans include out-of-network benefits — which means you can see us and still
receive reimbursement for covered care. We handle as much of the paperwork as we can, so
you don’t have to.
We plan & explain
We build your treatment plan around what’s right for you and walk you through the fees clearly, before anything begins.
We file your claim
As a courtesy, we submit your out-of-network claim whenever possible and provide all the documentation your plan needs.
Your plan reimburses you
Your insurer sends any covered reimbursement directly to you, based on your individual benefits.
Ways to pay
Flexible options that fit real life.
Whether or not you have insurance, there are several easy ways to take care of your visit.
Pre-tax health dollars
Use your Health Savings or Flexible Spending account toward most treatments.
All major cards
Visa, Mastercard, American Express, Discover, and debit — whatever’s easiest.
Flexible payment plans
Spread larger treatment over time with third-party financing options when available.
Phased treatment
We can sequence care over time to match your priorities and your budget.
Good questions
The things people usually want to ask.
Do you accept my insurance?
We’re out-of-network with all dental plans, by choice — it’s what lets us give you unhurried, insurance-free decision-making. But “out-of-network” doesn’t mean you’re on your own: if your plan has out-of-network benefits, we’ll help you use them and file the claim for you.
Will my insurance still pay anything?
Often, yes. Many plans reimburse a portion of out-of-network care. The exact amount depends on your specific plan, so we can’t promise a number — but we’ll submit everything your insurer needs and they’ll reimburse you directly for whatever is covered.
How will I know what a visit costs?
You’ll always know before we begin. We explain the fees for any recommended treatment up front and in plain language, and you’re free to ask questions or take your time deciding. No procedure is a surprise, and neither is its cost.
What if I don’t have dental insurance?
You’re in good company — many of our patients don’t, and they do beautifully here. Because our pricing is transparent and we offer HSA/FSA, card, and payment-plan options, you can plan for your care with confidence and no guesswork.
Can I use my HSA or FSA?
Yes. Health Savings and Flexible Spending accounts can be used toward most dental treatments, which is a tax-smart way to cover your care.
Why be out-of-network at all?
Because insurance contracts often limit time, materials, and which treatments a dentist can recommend. Stepping outside that system lets us give every patient the same generous time, the same quality, and honest advice — the practice we’d want for our own family.
We’re happy to help
Still have a question about cost?
Tell us a little about your situation and we’ll walk you through what to expect — gladly,
and with no pressure. We’d rather talk it through now than have you wonder.
Opening Spring 2027 · Novi, Michigan
Dentistry born digital, centered on you. A fee-for-service general dentistry practice built around your time, your comfort, and your right to understand your own care.
Visit
23890 Novi Road
Novi, Michigan
Hours, once open
Thursday – Saturday
By appointment