Insurance can be a helpful thing but it can also become a hindrance in many situations. This section of our website is devoted to showing you the differences between different insurance types to allow you to understand why certain things re covered by your insurance and why certain things are your financial responsibility. Use the navigation list to your left to get started. Questions regarding insurance can be answered by calling our office at 636-349-0070.
For your convenience, the following insurance plans are are accepted by our office as "in network". In order to better serve our patient's we only accept PPO dental plans.
Essence (preventive only plans)
Insurance and Billing FAQs
- Q: Does Dr. Cooney take my insurance?
- Dr. Cooney is in network for most PPO dental insurance plans. Please see our semi-comprehensive list or give our office a call to make sure.
- Q: My dental insurance has changed, what do I do?
- Call our office and speak with one of our staff before your appointment. Switching insurance is a common thing, especially at the bend or beginning of a calendar year, and should not pose a problem or cause an interruption in your dental care. As always, however, some changes are possible. We can help you navigate your insurance policy and answer any questions you may have.
- Q: I’ve been told I need XYZ treatment, why does my insurance say it isn’t a covered expense?
- The insurance doesn’t process claims based on medical or dental necessity. The insurance company processes claims based on the contract limitations that your employer negotiated with them when they set your premiums. They have sole discretion in these decisions and can deny or approve a claim for any reason. An insurance company is not allowed to make determinations about treatment, only whether or not they cover it. The treatment decision is ultimately between you and Dr. Cooney. For more information about your dental insurance, please visit our page on dental insurance policies and myths.
- Q: What if I lose my dental insurance? How can I afford to continue to seeing Dr. Cooney?
- Dr. Cooney offers an in-house dental discount program that greatly eases the burden of your dental care without insurance. Depending on your dental treatment needs, this program can actually be less expensive than your dental insurance premiums.
- Q: What is the difference between a dental PPO, DMO (aka DHMO, HMO), and dental discount program?
- The main difference is that PPO dental insurance plans help you pay for your care by reimbursing the dental office for a predetermined portion of your dental care. DMO and dental discount plans require you to pay the full cost of care, albeit at a discounted rate.
- Q: Will Dr. Cooney allow me to make payments after services are completed?
- Some procedures require payment at the time of treatment while others require a payment before the treatment is started. We do this to keep our collections costs down to enable better service.
- Q: What financing programs does Dr. Cooney offer?
- Dr. Cooney offers third party financing through Care Credit. Care credit offers interest free financing as well as longer term low interest plans to help you afford your dental care.
- Q: I am on a fixed budget, how can I have all my dental work done?
- Most people fall into the category of having to watch their spending and Dr. Cooney’s staff has become very good at scheduling treatment in a manner that satisfies most budgets. If you have concerns about the cost of treatment and how to work it into your budget, please schedule a consult with Dr. Cooney. He will sit down with you and devise a plan of attack that will enable you to have your cake and eat it too!
- Q: I have received a statement saying that I owe more for treatment than I thought. Why is this?
- Your insurance company sets the fees that are charged to you. We do our best to anticipate the insurance company’s decision on your claims, but since we have no control over insurance processing, we never know exactly what your coverage is until the claim is paid. That sounds strange, right? That is a rule that the insurance company has and we cannot change (and we’ve tried). The best thing we can tell our patients is to educate themselves on their insurance policy so that they know what their coverage is. This will minimize surprises after treatment.