Dental Insurance and Payment Options

Financing Your Care

Many people ask this because they don’t know what else to ask. People have been conditioned to do so when dealing with medical insurance. There are significant differences in dental coverage (it’s not really insurance) and medical insurance that makes this less important to dental.

Do you have a PPO or better? If so, then we accept benefits from your insurance carrier. However, like many offices, we are not contracted with dental insurance companies. Therefore your insurance carrier considers us out of network. For most plans there will be little to no difference, but not always. The specific plan your employer signed up for will determine what your benefits are.

How are medical insurance and dental insurance different?

To make it brief, dental plans are not insurance and medical plans are insurance. Dental plans are really pre-payment plans that start paying right away and then max at $1,000 – $2,500.  Many in-network dental offices find ways to upcharge and makeup the difference in fees that are negotiated.  We simply do the procedures that are absolutely recommended and have no need to add additional.

Medical insurance kicks in after you reach a minimum deductible and then cover the expenses after that number, that is true insurance.  Dental is capped at your max and then the rest is “out of pocket.”

I don’t have any dental insurance.

No problem, we have just what you looking for, our own; 

Riverwalk Family Benefits Program.

Our $599.00 yearly plan includes;

  • 2 cleanings or  periodontal maintenance per year
  • 2 exams per year
  • 1 emergency visit per year
  • 1 full mouth or panoramic x-ray per 3 years
  • 1 set of bitewings x-rays per year
  • 1 topical fluoride per year
  • 1 oral cancer screening  
  • 20% off dental services·        
  • Children under the age of 15 will receive 20% off  preventative care

*Excluding: implant crowns, orthodontics, cosmetic services and all procedures completed in our office by specialists; Dr. Carl Leonard and Dr. Beth Damas

*Cash, check or debit cards only. Full payment required at the time of enrollment. 

Pay Online Options:

You can use your card to make a payment! Click the button below.


Payment options:

  • Cash or Check: Always accepted.
  • Cash Discount offered on payments made in full.
  • Credit Card: Visa, MasterCard, Discover, or American Express.
  • CareCredit: Apply online ( or in our office.

Please note: Payment is due at the time of service.