Purpose of This Consent
At Key Dental, we believe in transparency, comfort, and convenience when it comes to your care and financial experience. Key Dental accepts all PPO insurance plans as an out-of-network provider, which means if you have out-of-network benefits, we’ll help you maximize your coverage while still giving you access to the highest level of care.
Being out-of-network allows us to invest in the best materials, advanced technology, and personalized treatment experience—with minimal to no wait times, evening hours, and weekend availability on Saturday and Sunday. We also partner closely with trusted local specialists to keep most care under one roof, minimizing referrals and making your experience as seamless as possible.
This consent outlines how billing, insurance, and reimbursements are handled so you have a clear understanding of what to expect. Please review carefully and sign below to acknowledge your understanding.
1. Payment & Financing Options
At Key Dental, we believe in making high-quality care accessible and stress-free for you and your loved ones. That’s why we partner with trusted third-party financing providers—Sunbit, CareCredit, and Cherry—to offer low monthly payments, often with 0% APR for up to 2 years (subject to credit approval and individual treatment plan). This allows you to receive the care you need without the burden of paying everything upfront.
Unlike many offices, we don’t base your costs on insurance estimates that can lead to unexpected bills later if insurance pays less or denies a claim. Instead, we maintain a simple, transparent process:
1. Our financing partners pay for your treatment in full at the time of scheduling.
2. You make manageable monthly payments rather than one large sum.
3. Any insurance reimbursement we receive is placed on your account as a credit, which can be used as outlined in our Billing Policy — including reimbursement to you or applying it toward reducing your treatment loan balance.
This approach ensures transparency, eliminates surprises, and keeps your experience with us positive and predictable from start to finish.
2. Insurance Claims & Weekly Processing
We submit insurance claims on your behalf as a courtesy. All insurance payments are processed on Wednesdays only. For example, if a payment is received on Monday, it will not be posted until Wednesday. When insurance pays a portion of your treatment, your account will reflect a credit. After processing, our team will contact you to confirm how you would like the credit applied—whether toward pending treatment, your next cleaning/check-up, or reimbursed to your original payment method. If a reimbursement is issued, please allow up to 10 business days for the funds to reflect on your account.
⚠ Important Note on Financing: If you use Cherry or another financing partner, reimbursements are applied directly to your financing account. This reduces the total balance owed but does not lower your fixed monthly payment amount.
3. Missed Communication Policy
If we are unable to reach you about a reimbursement, we will call weekly for one month if you have pending treatment. After that time, if there is no response, the reimbursement will be issued in full unless instructed otherwise. If you have no pending treatment and no remaining benefits, we will issue a reimbursement but retain a $200 credit toward your next cleaning, unless you request otherwise. If you have no pending treatment but remaining benefits, the full reimbursement will be issued.
4. Non-Accepted or Denied Claims
If your insurance denies or underpays a claim, you will not owe additional funds, since full payment has already been collected. As part of our weekly billing process, we review all unpaid claims. If any claim remains unpaid beyond 30 days, we perform a courtesy follow-up with your insurance company. If a denial is issued, we may ask you to contact your insurance provider directly, since most insurers respond more quickly to their policyholders than to dental offices. Your direct involvement often helps expedite appeals and ensures that any reimbursement owed is handled as quickly as possible
