Insurance & payment
Let’s make paying for your care feel simple.
Paying for care at Molar Town is designed to be straightforward: clear costs explained before treatment begins, help making the most of any benefits you have, and flexible ways to pay. Here’s how it all works, in plain language.
Before anything begins
You’ll always know where you stand.
Before any treatment starts, you’ll have the full picture in plain language: what we found, what we recommend and why, what it costs — and, just as honestly, what can wait. You’ll have time to ask questions and room to decide. Nothing moves forward until it makes sense to you.
Care doesn’t have to happen all at once, either. Many treatment plans can be phased, so we can talk through priorities, timing, and the order that makes sense — and build a realistic plan together, rather than an overwhelming one. And when a decision deserves another set of ears, you’re always welcome to include the people you trust.
If you have dental benefits
Using your benefits here, 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 claim whenever possible — and after every visit, you get a detailed, ready-to-submit statement with everything 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?
Molar Town is an independent practice, so we’re not contracted with dental insurance networks — but you’re never on your own with the paperwork. If your plan includes out-of-network benefits, we’ll help you understand them, provide everything your insurer needs, and file the claim for you whenever possible.
Will my insurance still pay anything?
Often, yes. Many plans reimburse a portion of care from providers outside their network. 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 not alone — plenty of people come to dental care without traditional insurance, and you’ll be right at home 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 stay independent at all?
Because your care should be based on what you actually need. Practicing independently lets us give appointments the time they deserve, explain your options clearly, and use the materials we trust — and we’re still glad to help you use any benefits you have. It’s simply the way we’d want our own family cared for.
Those are the money questions. For the personal versions — our honest answers to what patients actually ask — just ask us.
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.