Insurance

We are currently providers for the following insurance companies:

  • Allegiance / Cigna Medical
  • Anthem Dental PPO
  • Blue Cross Blue Shield Medical PPO
  • FEP Blue Dental
  • Cigna Dental PPO
  • Cigna Medical PPO
  • Delta Dental PPO
  • Florida Combined Life PPO
  • GEHA Dental
  • Guardian PPO
  • Health First Health Plans (Authorization Required)
  • Humana Military / TRICARE Medical
  • Liberty Dental
  • Medicare
  • Renaissance Dental
  • SunLife Financial PPO
  • United Health Care Dental PPO

Out-Of-Network Insurances :

If we are out-of-network with your dental policy, our office will file a claim on your behalf for reimbursement of services as a courtesy to you. Payment is due in full on or before date of service. After a claim is filed, you may follow up on this claim with your insurance carrier.

We cannot file claims for any out-of-network medical policies.

Financial Information

At Sunrise Facial and Oral Surgery, we accept Visa, MasterCard, Discover and American Express. Effective October 1, 2024, a 3% surcharge is imposed on all credit card transactions. This fee does not apply to debit cards or CareCredit transactions.

Please remember you are fully responsible for all fees charged by Sunrise Facial and Oral Surgery regardless of your insurance coverage.

We send monthly statements to our patients. Most insurance companies respond within four to six weeks. If your statement does not reflect your insurance payment within that time frame, please call our office. Any remaining balance following insurance payment is your responsibility. Prompt remittance is appreciated.

Financing Available

As a convenience to our patients, we also offer payment plans through CareCredit. Payments are due at the time service is rendered unless other arrangements have been made in advance. Click the link to apply now.

Need to finance your treatment? We also accept Affirm with RepeatMD ! With an 85% approval rate, our patients can easily get the financing they need! Click here to download our app and apply!

Understanding Insurance Predeterminations & Patient Balances

When it comes to using your insurance for medical or dental treatment, it’s important to understand the role of a predetermination and how it affects your out-of-pocket cost.

What is a Predetermination?

A predetermination (also called a pre-treatment estimate) is a request we send to your insurance company before you receive treatment. This document outlines the services we plan to provide and asks the insurance company to review your coverage and provide an estimate of what they may pay.

While this process can give a general idea of your potential costs, it’s important to remember:

***A predetermination is not a guarantee of payment.***

Insurance companies include disclaimers that final decisions on coverage are made only after the claim is processed—which happens after treatment is complete.

How Does This Affect Your Balance?

Because the insurance company does not make an official payment decision until after the procedure:

  • The amount quoted to you before treatment is only an estimate.
  • Your final balance may be higher or lower than the original estimate, depending on how the insurance processes the claim.
  • Our office provides the most accurate estimate possible, based on your insurance information at the time—but we do not control how the insurance company ultimately handles your claim.

What This Means for You:

We always recommend patients be prepared for possible differences between the estimate and the final balance. If you have questions about your coverage or want to understand your financial responsibility, we’re happy to help walk you through your options!

✅ Bottom Line: While a predetermination can help reduce surprises, only the insurance company can determine the final payment. We’ll do our best to provide clear, honest estimates based on the information available, but the final balance may change once insurance processes your claim.