Robert C. Clay, Jr., DDS, Ltd.

Financial Info

Here at Robert C. Clay, Jr, DDS, Ltd., our mission is to provide you with the best and most comprehensive dental care available. Dental treatment is an excellent investment in your overall health, and we try to keep financial considerations from being an obstacle to you getting the best treatment available. To help make optimal treatment possible, we offer several payment options.

Of course, cash, check, and credit card payments are always accepted in our office. In addition, we also accept online payments through our secure online payment portals. You can make a payment using your credit card, or you can make a payment through PayPal. Both of these online options are secured through the PayPal servers and are excellent options to save time and make sure your payment gets to us on time. Click here if you would like to make an online payment.

Third Party Lending Sources

We completely understand that the costs for dental treatment may discourage patients from following through with recommended treatments. To help patients have options to pay for treatment, we have partnered with both CareCredit and Lending Club to offer no interest as well as interest-bearing financing options. Their rates and promotions vary, so check out CareCredit and LendingClub to see what will fit your budget, or you can just ask us to check into it for you when we go over your treatment plan.

Dental Insurance

For patients with dental insurance, we will do everything to maximize your dental benefits. We will submit claims and directly bill your insurance for your treatment. Patients are responsible for amounts not covered by insurance.

We accept most PPO insurance, and we will happily submit the claim forms to your insurance company for you. While we accept payment from most PPO policies, we would be considered out-of-network for all companies except for the Delta Dental Premier network. While having insurance is always a desirable thing, we have chosen not to let insurance company PPO payment agreements dictate what services and materials we will use on our patients. We always use the best dental materials, top American labs, and take the time necessary to do things right. Therefore, we have not entered the “preferred provider” agreements with any companies, aside from the Delta Premier network.

Although most PPO networks allow you to go out of network for treatment, some have different pay schedules or coverage limits for out of network dentists. In addition, some PPO plans are now denying out of network coverages. While we will always try to answer your questions, the best way to be sure you will have coverage is to check with your insurance provider or Human Resources department so there will be no surprises.

Unfortunately, HMO or DMO types of insurance are not accepted in our office at this time.

Please contact us if you have any questions about payment options, insurance, or third-party financing. We will be glad to try to assist you.