At Harmony Dental, we are committed to delivering personalized, high-quality dental care for every patient. Recently, we made the difficult decision to transition out-of-network with all insurance plans. This means we now operate as a fee-for-service practice.

We understand that insurance changes can feel confusing, so we want to clearly explain what this means — and what it does not mean.

Most importantly, you are absolutely still welcome here, and you can still use your dental insurance.

Frequently Asked Questions

Dental insurance is a benefit designed to help offset the cost of care — it is not designed to cover 100% of treatment. Think of it more like a coupon.

Most plans:

  • Have annual maximums (often $1,000–$2,000 per year)
  • Cover preventive care at a higher percentage
  • Cover basic and major procedures at varying percentages
  • Limit treatment possibilities and reimbursement amounts based on contracted fee schedules

Insurance companies determine reimbursement rates — not dental offices — and many of those rates have not kept pace with the rising cost of materials, technology, staffing, and providing comprehensive care.

Here at Harmony Dental, we treat our patients as we treat our own family members. We made the decision to put our patients first, above the arbitrary rules of insurance companies. Over time, insurance reimbursements have also become increasingly restrictive and did not reflect the true cost of providing high-quality, individualized dentistry. Remaining in-network would have required compromises in materials, time spent with patients, or treatment recommendations — and that is not something we are willing to do.

Our priority is — and always will be — what is best for our patients, not what is dictated by an insurance contract.

By transitioning to fee-for-service, we are able to:

  • Spend more one-on-one time with you
  • Use high-quality materials and technology
  • Focus on individualized treatment plans
  • Make clinical decisions based solely on your needs

Being out-of-network does not mean you cannot come to our office.

It simply means:

  • We are not contracted with your insurance company.
  • Payment is due in full at the time of service.
  • We can submit claims on your behalf.
  • Your insurance reimburses you directly based on your plan’s out-of-network benefits.

Many patients are surprised to learn that they still have out-of-network benefits — and often the difference in cost is smaller than expected.

Yes, absolutely.

We are happy to verify your out-of-network benefits and provide treatment estimates. We can submit claims on your behalf and help you understand your reimbursement.

Your insurance is a benefit that belongs to you — and you can use it at the provider of your choice.

Because we are a fee-for-service practice, payment is due at the time of service. However, we offer a variety of convenient payment options:

We gladly accept:

  • Health Savings Accounts (HSA)
  • Flexible Spending Accounts (FSA)
  • All major credit cards
  • Debit cards
  • Cash
  • Check
  • CareCredit® financing
  • CareCredit allows qualified patients to move forward with treatment and make manageable monthly payments, often with promotional financing options.

We also offer a courtesy discount for patients who choose to pay with cash or check.

Our goal is to make high-quality care accessible while maintaining transparency about costs. If you ever have questions about fees or payment options, our team is happy to help.

Our fees reflect the quality of care, time, and materials involved in your treatment — not an insurance company’s reduced fee schedule.

In many cases, patients find:

  • Their out-of-network reimbursement is comparable to in-network coverage
  • They receive more personalized attention
  • Treatment recommendations are based on health — not coverage limitations

We are always transparent and happy to discuss financial options before treatment begins.

A fee-for-service model allows us to:

  • Maintain the highest clinical standards
  • Avoid rushed appointments
  • Focus on long-term oral health
  • Invest in advanced technology
  • Preserve the patient-doctor relationship

At Harmony Dental, we believe dentistry should be guided by trust, quality, and individualized care — not insurance limitations.

We’re Still Here for You

We understand that change can bring questions. If you have concerns about your insurance, coverage, or payment options, please call our office. Our team will walk you through everything step by step.

Your smile matters to us — and so does your comfort and understanding.