Straightforward Dental Financial & Insurance Guidance
We accept most major insurance plans and are in-network for many insurance companies, and we also offer payment plans for various oral procedures.
Financial Information
Payment is expected at the time of your appointment for services. If you have dental insurance, we will provide an estimate of your co-payment and collect your portion at the time of your appointment. We accept cash and all major credit cards. We do not accept personal checks. We also offer Care Credit, which offers interest-free payment programs upon approval.
Your reserved time in our office is important. Treatment appointments will require a deposit when scheduling to secure this appointment time. This deposit will be applied to your estimated co-payment for services. However, if the appointment is broken without 2-business days notice, then the deposit is retained as a non-refundable missed appointment fee.
When reserving IV-Sedation appointments, the complete sedation fee is required at time of scheduling the appointment.
It is important to remember that your insurance coverage is a contract between you, your employer and your insurance company. Benefits and coverage vary significantly from plan to plan depending on what was agreed upon with your employer and the insurer.
Please keep in mind that the insurance is not designated to provide 100% benefit but rather to assist in the cost of dental care. Dental benefits should not be confused with dental care you need. You and Dr. Rubab Mirza determine your dental care collectively.
As a courtesy to our patients, we are happy to submit your dental claims for services rendered in our office. In order for us to do this, you must provide us with accurate and most up-to-date insurance information. We will verify your coverage and plan before your scheduled appointment, and using this information we will estimate the insurance portion and your co-payment. Please understand this is only an estimate and may not be what the insurance will pay. We will do our best to help you receive maximum benefits. Patients are responsible for and remaining balances for services received.
Dental Insurance
We are in-network for most insurance companies and we accept many major insurance plans. In most cases, dental insurance will not cover all of the expenses for a dental procedure, and more than likely, you will need to pay some amount out of pocket at the time of your appointment. Dental insurance helps reduce the overall out-of-pocket costs for you when you have procedures done. We file all insurance claims, track your existing claims, and follow up on delayed claims. We are committed to making your whole family dentist experience a pleasant one from beginning to end.
Office Policy
When you become a new patient, you will fill out a form that includes a section for your dental insurance. We ask that you fill this section out with your current insurance provider information so that we can verify coverage with them and determine how much of your dental care is covered. If you change insurance providers at any time, please keep us informed of the changes, including policy name changes, insurance company and address changes, or changes in your employment.
Whenever you come into our office for an appointment, bring your identification and insurance card with you, as this will speed up the verification process in our office. If you have questions regarding your dental coverage on a bill, contact our office and provide your insurance details so that we can connect with your insurance agency and sort out any issues. We file claims with your insurance provider within a few days after your procedure, and your insurance provider must pay their portion of the claim within 30 days of receipt. Any remaining balance after those 30 days must be paid by you.
If you do not have dental insurance, all payments must be paid in full at the time of an appointment. You can rest assured that we still take great pride in our work and in the care we provide to you. There are no shortcuts when it comes to providing the best dental care in Houston, and we accept all patients because we care about your oral health.
Don’t have dental insurance? You still have options — see our guide on affordable dental care in Houston without coverage.
Accepted Insurance & Payment
We accept most insurance plans by in-network insurance providers, as well as certain employers’ insurance plans. Any payments can be made by check, cash, debit, and most major credit cards, whether for insurance covered procedures or procedures without insurance coverage. All services must be paid in full at the time of the service is performed. Any returned checks are subject to a processing fee determined by the bank and office.
Insurance Providers (In-Network)
Aetna (Meritain Health)
Aetna Dental Access
Ameritas
Anthem BCBS
Assurant Dental
BCBS of Massachusetts
Blue Cross Blue Shield of Texas
Careington
Cigna
Cigna Plus Savings Plan
Delta Dental
Delta Dental Insurance Co. Georgia
Delta Dental of Alpharetta
Delta Dental of Arkansas
Delta Dental of California
Delta Dental of Colorado
Delta Dental of Kentucky
Delta Dental of Massachusetts
Delta Dental of Minnesota
Delta Dental of New Jersey
Delta Dental of Pennsylvania
Delta Dental of Tennessee
Delta Dental of Virginia
Dental Plans (Careington)
Dental Select
Dentaquest
FCL (Memorial Hermann)
Guardian
Health Plan Incorporated
Humana
Group Dental Claims
Humana Specialty Benefits
Lincoln Financial
MCNA
MetLife
OraQuest
Premier Access Co.
Principal Life
TMHP Medicaid
UMR
United Concordia
United Healthcare
United Healthcare/Texas Star
Accepted Payment Methods
10% discount for cash payments and 15% discount for senior citizens.
Frequently Asked Questions
A few questions patients often ask us about coverage and cost. For more, visit our full FAQs page.
Will my insurance cover wisdom teeth removal?
Many dental insurance plans cover wisdom teeth removal, especially when it’s impacted or medically necessary. Our team can help verify your coverage and discuss financing options if needed.
Are dental implants covered by insurance?
Coverage depends on your specific insurance plan. Some plans cover a portion of implant costs when they restore function. Our team can verify your benefits and walk you through what to expect.
Will my insurance cover periodontal treatments?
Coverage varies by plan. Many dental insurance plans cover scaling and root planing, while more advanced surgical procedures may require preauthorization. Our team can assist with benefits verification.
Are advanced dental procedures covered by insurance?
It depends on your plan. Procedures that restore function may be partially covered, while elective procedures often are not. Our office can assist with insurance verification ahead of your visit.
Is cosmetic dentistry covered by insurance?
Coverage varies by plan. Cosmetic procedures are often considered elective, though some restorative elements involved may be covered. Our team can verify your benefits before treatment. Many cosmetic procedures, including veneers, come with flexible payment plans. Before booking, review veneers financing in Houston to understand typical costs and how financing can help.
Are dental emergencies covered by insurance?
Many insurance plans cover emergency evaluations and certain treatments. Our team can verify your coverage and discuss financing options if you need care right away.
Have Questions About Your Coverage or Payment Options?
Our team is happy to help verify your insurance, walk through payment options, or schedule your next visit.
1811 Bering Dr, Suite 110, Houston, TX 77057
