Top Dentistry Clinics in Columbia 2015
Dr. Joanna E. Silver, DMD has been awarded as a top Dentistry practice with some of Columbia's best Dentists.
Verified by Opencare.com
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Insurance and Financing

Insurance

We are excited to be in-network with Delta Dental and Cigna Radius. While we are not currently "in - network" with any other insurance companies, we are happy to help you get the most from your insurance benefits. For patients with active coverage, we will provide you with an estimate for what your insurance policy should pay towards each appointment. We ask that you pay the amount we have estimated to be your portion on, or prior to, the day that services are rendered. Please keep in mind that this is only an estimate and, even if a pre-determination of benefit is received from the insurance carrier, there is no guarantee as to the amount they will pay until the claim for services has been submitted and received. Should your insurance policy not cover the entire estimated amount, you are responsible for any balance accrued. We are happy to discuss your policy with you and answer any questions you may have about how dental insurance works.

Payments

We offer Care Credit, accept cash, check, and all major credit cards including Visa, Mastercard, American Express, and Discover.

We can see if you are pre-approved for Care Credit before you visit our office by asking you a couple questions over the phone - or you can go to www.carecredit.com 

In-Office Financial Arrangements

It is our goal to ensure that all patients are able to receive the treatment that they need, regardless of budget. In order to help make this possible, we offer in-office, interest-free financing for up to three months. We do not require any type of credit check for this option. This is done by an automatic charge to a credit or debit card that you have provided us with. When this option is elected, we will ask that you pay an agreed upon portion of the total amount the day services are rendered.

With Care Credit, you interest-free financing can be extended up to six months. After that point, an APR will be applied to your balance.

Extended Payment Plans

For some treatment plans, you may wish to consider an option that allows you to pay your balance over a longer period of time than three months. For these cases, we accept the Citi Health Card, which offers interest free payment plans extending up to 18 months. Please be aware that, should your payments not be strictly adhered to and your balance is not paid in the agreed upon length of time, you will incur interest fees and charges that could be as high as 20% or more. If this option is one you would like to consider, please visit www.citihealthcard.com  or feel free to discuss it with us in the office.