Insurance and Payment Options at Saratoga Smiles
Before any treatment begins, you get a written estimate and a clear explanation of how payment, insurance reimbursement, and financing work for your care.
Questions about cost? Call the office at (518) 584-5060.
Fee-for-service, explained simply
Saratoga Smiles is a fee-for-service practice. That means we are not in-network with any insurance company, and an insurance contract does not decide your treatment plan, your materials, or how long your visit takes.
Not being in-network is different from not accepting insurance. Many plans include out-of-network benefits, and you can still use them here. The difference is who gets paid: you pay the office, and your plan reimburses you based on your out-of-network coverage.
In-network office
- Has a contract with your insurer
- Insurer sets the fees and limits
- Insurer usually pays the office
Saratoga Smiles (out-of-network)
- No insurer contract
- Treatment planned by you and Dr. Dennis
- Your plan reimburses you directly
From estimate to reimbursement
Exam and options
Dr. Dennis explains what he sees and your options, including what can safely wait.
Written estimate
You get a written estimate before any treatment begins. It is an estimate, not a guarantee of what your plan will pay.
Pay at your visit
Pay by card, or with HSA or FSA funds. Financing can spread larger treatment over time.
Your claim
You receive an itemized statement with the codes your plan needs, and the out-of-network claim goes to your plan. We walk you through it.
Reimbursement
Your plan sends any reimbursement directly to you, based on your out-of-network benefits.
Without insurance, or for larger treatment
Pay at your visit
Major credit and debit cards are accepted. Payment is due at the time of service.
HSA and FSA
Health savings and flexible spending account funds can be used for eligible dental care.
Patient financing
We work with Proceed Finance, Cherry, and CareCredit. Each lender sets its own terms and approval. Apply with Cherry or ask our team.
We do not offer an in-house membership plan. Financing approval and terms are decided by each lender, not by Saratoga Smiles.
Have questions about insurance and payment?
Do you accept my dental insurance?
Saratoga Smiles is a fee-for-service practice, so we are not in-network with any insurance plan. You can still use your out-of-network dental benefits. Your plan decides how much it reimburses, and that amount goes to you.
How does the insurance claim process work?
You pay at the time of service. You then receive an itemized statement with the procedure codes your plan requires, and the out-of-network claim goes to your plan. Our team explains each step and answers claim questions, and your plan sends any reimbursement directly to you.
How much will my plan pay?
It depends on your plan’s out-of-network benefits, deductible, and yearly maximum. We cannot guarantee what an insurer will pay. Call your plan, or ask our team which questions to ask them.
Will I know the cost before treatment starts?
Yes. You receive a written estimate for recommended treatment before any work begins. Estimates are based on your exam, and your plan’s payment is not guaranteed.
What payment methods do you accept?
Major credit and debit cards. Health savings account (HSA) and flexible spending account (FSA) cards are welcome for eligible care.
What financing is available?
We work with Proceed Finance, Cherry, and CareCredit. Each lender sets its own terms and makes its own approval decision. Ask our team how to apply, or apply with Cherry online.
Do you offer a membership plan?
No. We do not offer an in-house membership plan at this time. Patients without insurance pay for care directly, and financing is available for larger treatment.
When is payment due?
Payment is due at the time of service. For larger treatment, we talk through timing and financing with you before anything is scheduled.
No pressure. Just options.
“I was told in Napa, Ca that I needed a new crown over a root canal crown. That was wrong. Doc said it is not needed and we will just monitor it.”
“The entire appointment was neither rushed nor did it feel like I was just another customer. Dr Dennis was just as kind and professional, he made his assessment and offered me choices.”
Visit us
6 Carpenter Lane
Saratoga Springs, NY 12866
Get directions
Office hours
Monday to Wednesday: 8am to 5pm
Thursday: 9am to 3pm
Friday to Sunday: closed
Call us
New patients: (518) 712-6492
Office: (518) 584-5060
Talk through your options first
Book a visit online, or call the office with your payment or insurance questions. We will give you clear answers before any treatment begins.