Finance and Insurance

Payment Options for Dental Patients

Here at Smile Maker PA, we offer comprehensive dental financing so that you can place a treatment plan within your budget. Philadelphia, PA, is a wonderful city that offers plenty of reason to smile, so why not share yours more today? Our goal is to maximize your insurance benefits and make any remaining balance easily affordable. If you have any questions regarding your insurance benefits, please don't hesitate to call our office at 215-969-2015 to review your concerns. Our fees are based on the quality of the materials we use and our experience in performing your needed dental procedures. If you would like to review these financial arrangement options with one of our team members in advance of treatment, please don't hesitate to call our office at 215-969-2015.

Our goal is to maximize your insurance benefits and make any remaining balance easily affordable.

Unless other arrangements have been made, payment is expected at the time of treatment. We do accept Visa, MasterCard and Discover payments. Please ask a member of our staff about our 12-month interest-free financing option and 15 % discount.

If you have insurance coverage, please remember that insurance is considered a method of reimbursing the patient for fees paid to the doctor, and is not a substitute for the payment. Some companies pay a fixed allowance for certain procedures, while others pay a percentage of the charge. You are responsible for the deductible amount, co-insurance, (co-payment) or any other balances not paid by the provider.

Half of the total treatment cost is a deposit and must be paid before any treatment (that requires multiple visits) starts. Unless other arrangements are made, the balance is due by the completion of treatment.

There is a $30 fee for any bounced checks. Any balance past due for more than 60 days is subject to finance charges.

Get dental implants from Dr. Karagodsky DDS, an exceptional dentist specializing in cosmetic dentistry located in Philadelphia, PA.

We accept many types of dental insurance. To be confident you should call our dental office at 1-215-969-2015 to learn whether or not we take the type of insurance you have.

Appointment request

Dental Plan, PPO, or HMO? What's the Difference?

HMO – (Health Maintenance Organization) A form of health or dental insurance combining a range of coverages on a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO can handle referrals.

PPO – (Participating/Preferred Provider Organization) – A health or dental care organization composed of physicians, hospitals, or dentists that provide services at a reduced fee. A PPO insurance is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPOs may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policyholder.

Working Hours

Mon:  8:30 am – 8:00 pm
Tue:   8:30 am – 5:00 pm
Wed: Closed
Thu:  8:30 am – 8:00 pm
Fri:    9:00 am – 1:00 pm (surgery only)

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