Once established as a patient at the office, we will submit for payment to any insurance carrier you have at no additional cost. Please understand that your insurance is a contract between you and the insurance company. No insurance contract covers all dental costs. Most companies pay a percentage of the fee for each procedure. A small number of companies pay a fixed allowance for certain services. Any amount above insurance coverage is due at the time of service. Additionally, prepayment discounts are available for major work.