Financial Arrangements

What We Offer

At NW Heights Dental, we offer a variety of financial arrangements and insurance possibilities to make your treatment a reality. Our dental office accepts all insurance plans and our staff will work directly with you to review dental benefits, determined overage for specific treatments, as well as work to maximize insurance coverage when possible. If you currently do not have dental insurance or your current employer has dropped dental coverage, please ask about our uninsured dental plan.

We accept many forms of payment including the following:

  • Cash
  • Check
  • Money orders
  • CareCredit and Lending Club

We also accept most major credit cards including MasterCard, Visa, American Express, and Discover.


Dental Plan for Uninsured Patients

Dental Plans for Uninsured Patients Portland OR

At NW Heights Dental, we know lack of dental insurance impacts a great deal of households as about 74 million americans have no dental coverage according to the National Association of Dental Plans. If you currently do not have dental insurance, or your current employer is considering dropping dental coverage, we have an option for you. Our dental plan provides patients the opportunity to visit our dentists and receive the dental care they need with no insurance. With easy monthly payments, this is exclusively for our patients without dental insurance.

What’s Included?

  • 2 Doctor exams
  • All needed X-rays
  • Two cleanings per year
  • 3 – 4 periodontal maintenance cleanings (for perio plan)
  • An emergency exam
  • Two fluoride applications per year (for child plan)
  • Plus—15% off recommended treatment (some exclusions apply)

Don’t miss out on:

  • No deductibles
  • No annual maximums
  • No waiting periods
  • No exclusions for cosmetic or elective care

Our staff at NW Heights Dental want to help our community members, families, and local businesses fight big insurance, and aim to provide access to a plan that allows everyone affordable dental care.


Medical vs. Dental Insurance Coverage

Both medical and dental insurance offer coverage for specific services from a list of medical professionals. The key difference between the two, is that medical insurance typically incorporates a larger percentage of treatment costs in comparison to dental insurance. Your medical insurance, for the most part covers the entire cost of the treatment, excluding copays and/or deductibles. This is in exchange for all monthly payments of monthly insurance premiums.

With dental insurance, although you will pay a monthly premium, instead of covering the majority of costs for the treatment, your dental insurance plan will offer one of the following coverage:

  • Preventive dentistry – 80 to 100% coverage
  • Restorative dentistry – 20 to 80% coverage
  • Orthodontics – 20 to 70% coverage (only when elected)
  • Sedation dentistry – 20 to 50% coverage (only when elected)
  • All other services – not typically covered

Our team will work directly with you and discuss all costs upon dental visit.


Payment Options

It’s an understandable fact that many people are not able to pay for their dental treatments upfront or in one lump sum. That’s why at NW Heights Dental, we sit down with you for a confidential, informal discussion and develop a financial plan that is right for you. We’ll even help you with insurance arrangements.

Lending Club Patient Solutions & CareCredit

Our practice is pleased to present flexible payment plans through Lending Club Patient Solutions and CareCredit. Both companies offer the following:
CareCredit

  • Plans with low fixed rates & low monthly payments that never change over the life of the loan
  • Patient-friendly, True No-Interest Plans with no retroactive interest
  • No upfront payments
  • No prepayment penalty

Lending Club It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly payments available for Extended Plans, all without impacting your credit score. For more information, simply ask a team member or visit lendingclub.com/patients  or https://www.carecredit.com/apply/


Insurance Information

Insurance is often based on minimal levels of restoration or traditional treatments, so it will usually under-reimburse patients for modern, effective treatments.

Our goal at NW Heights Dental Group is to provide the very highest quality dental treatment available at reasonable fees. If you have insurance, we will do everything to maximize your dental insurance benefits. We can estimate your co-payment far in advance of your treatment.

While some might rely exclusively on insurance to fund their care, we believe most will see insurance as a supplemental benefit to superior, modern care.

We ask that you pay all estimated co-payments and deductibles for treatment at the time it is provided. Our estimates are subject to final approval by your insurance company. That means the amount we calculate as due, is subject to change.

Please contact today at 503.646.1463 if there are any questions we can answer for you.

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