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 make 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. We are happy to check your insurance benefits and go over any questions or concerns you may have prior to your first visit. Just give us a call at Naperville Office Phone Number 630-579-6000 or email us at [email protected] and we will do all the leg work for you.

Let us check your plan for you!

Call us at Naperville Office Phone Number 630-579-6000 or email us at [email protected] and we will check on your coverage. We offer a complementary dental benefits verification. This is a great way for you to check how good your dental benefits are without doing any work. We’ll get back to you with the information provided by your dental benefits representative.

Please include:

  • Insurance company name
  • Policy holder name and date of birth
  • ID number and group number
  • If no ID number is present we will need your social security number

If the cost difference is great enough that you need to switch to an in network provider, we recommend going directly to your insurance company. Trying to find an in network dentist in our area online or by word of mouth is unlikely to work well. This is due to the fact that most in network offices won’t bother to have a website, advertise, or have very good online reviews, if they have any at all.

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. 

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.