4945 Stone Falls Center, Suite A, O’Fallon, IL Call (618) 624-2800
A team member at the scheduling desk, phone and computer at hand

Patient Info

Insurance, payment and financing

Most dental insurance plans are accepted here, and we work to get the most from your benefits. For what insurance leaves over, there are several ways to pay, including payment arrangements and healthcare financing.

Which dental insurance plans does Stone Falls Dental Care accept?

We accept most dental insurance plans, including United Concordia, TriCare, Delta Dental and Blue Cross Blue Shield, as well as the various military insurance plans. If your plan isn’t named here, call and ask; there is a good chance we already work with it.

Accepting a plan is only the start. Our treatment coordinators work to get the most from your benefits, sequencing treatment where it makes sense so covered care is used well. Medical insurance can matter too: most medical plans cover oral appliances for diagnosed sleep apnea, which our page on sleep apnea treatment explains.

What is a complimentary benefits check?

A complimentary benefits check is a free review of your dental coverage before treatment. You give us your plan details, and a treatment coordinator checks what your policy covers, how much of your annual maximum is left and what your share of a recommended treatment is likely to be.

Most plans reset at the start of each year, and unused benefits generally don’t carry over. A benefits check toward the end of the year is a sensible time to restart treatment you postponed, so you aren’t leaving coverage behind.

How can I pay for my dental care?

The office takes cash, personal checks, and credit and debit cards including Visa, MasterCard, Discover and American Express. If you’d like an estimate before you commit, ask; the treatment coordinators can lay out your share of the cost alongside what insurance is expected to pay.

For larger treatment, DocPay offers extended payment arrangements, so a balance can be paid over time instead of all at once. DocPay is also how you pay your account online through its secure portal.

Can I finance dental treatment?

Yes. We accept CareCredit, a healthcare credit card with promotional financing, including 0% promotional rates on approved credit. It can cover what insurance doesn’t, from a crown to a full smile makeover. You apply with CareCredit, not with us, and if you’re approved, treatment can be scheduled right away.

Promotional terms have conditions, and it pays to read them before you choose a plan. Our CareCredit page explains how the card and its promotions work.

What if I don’t have dental insurance?

You still have options. Military families receive a standing discount on all procedures with a military ID, and seniors receive a discount simply by mentioning it during the appointment.

The practice also runs new-patient and treatment offers that change through the year. See the current get-acquainted offers, then ask the front desk which are available when you call. For someone starting fresh without coverage, the $49 welcome exam, X-rays and cleaning has been one of the most practical of them.

Answers

Questions people ask

Does Stone Falls Dental Care take Delta Dental?

Yes. Stone Falls Dental Care accepts most dental insurance plans, including Delta Dental, Blue Cross Blue Shield, United Concordia, TriCare and the various military plans. A treatment coordinator can run a complimentary benefits check so you know what your Delta plan is likely to cover before treatment begins.

Do dental insurance benefits roll over to the next year?

In most plans they don’t. Annual maximums usually reset at the start of the plan year, and unused benefits are lost. That makes the last months of the year a good time to finish postponed treatment. Stone Falls Dental Care’s free benefits check shows how much coverage you have left.

What payment methods does Stone Falls Dental Care accept?

Stone Falls Dental Care accepts cash, personal checks, and credit and debit cards including Visa, MasterCard, Discover and American Express. DocPay is available for extended payment arrangements and online bill pay, and CareCredit healthcare financing is accepted with 0% promotional rates on approved credit.

What is DocPay at a dental office?

DocPay is a patient payment service that dental and medical offices use for extended payment arrangements and online bill pay. At Stone Falls Dental Care it lets you spread a balance over time or pay your account through a secure online portal. Ask the front desk to set it up.

Can I see Dr. Prane without dental insurance?

Yes. Patients without insurance are welcome at Stone Falls Dental Care. You can pay by cash, check or card, spread costs through DocPay or CareCredit, and ask about the new-patient offers running at the time. Military families and seniors also receive standing discounts.

New patients welcome

Book your visit with Dr. Prane

Call the office or send a request, and our scheduling coordinator will call you back to confirm a time.

Call Book a visit