payments

For private-pay patients, payment is expected in full at time of service.  For patients who have insurance, we will verify your coverage and get a breakdown of your dental benefits.  We will gladly bill your insurance, and we ask that you pay your estimated portion at time of service.

 

payment options

 St. Joseph Mi Dentist - David Ronto - Credit Cards
 St. Joseph Mi Dentist - David Ronto - Flexible spending
 St. Joseph Mi Dentist - David Ronto - HSA
 St. Joseph Mi Dentist - David Ronto - Carecredit

payment plans

We understand that caring for your teeth over your lifetime may represent a significant investment of your time and money.  To assist those needing help paying for treatment, we offer CareCredit.  CareCredit is a healthcare card that offers No Interest Payment plans for up to 12 months.  If interested, you can click here to apply or you can visit their website to obtain additional information by clicking here.


in-network insurance companies *

 St. Joseph Mi Dentist - David Ronto - Aetna PPO Provider
 St. Joseph Mi Dentist - David Ronto - Assurant Employee Benefits Provider
 St. Joseph Mi Dentist - David Ronto - Guardian Provider
 St. Joseph Mi Dentist - David Ronto - Delta Premier Provider
 St. Joseph Mi Dentist - David Ronto - Blue Par Select
 St. Joseph Mi Dentist - David Ronto - Healthy Kids Provider
 St. Joseph Mi Dentist - David Ronto - MI Child Provider
 St. Joseph Mi Dentist - David Ronto - Lakeland ASR Network Provider

*Additional Info regarding in-network insurance companies:

Aetna PPO plans we are in-network with. Aetna Life we are not in-network with.

Assurant Employee Benefits and Guardian we are in-network with only if they utilize the Aetna PPO network.

Delta Dental Premier Provider. Check what percentages your plan pays a Premier dentist.

BCBS of MI pays us based on your plans out-of-network benefit percentages but we do lower our fee to what they allow us to charge. Sort of like a hybrid between being in-network and out-of-network. However, BCBS of MI EPO plans we are not an in-network provider so your plan would pay us $0.

Healthy Kids & MI Child Dentist through age 18 only. The Healthy Michigan Plan or other Medicaid Plans for adults ages 19 and older we are not an in-network provider so your plan would pay us $0.

ASR/Physician's Care we are in-network only for Lakeland Employees. Other employers offering ASR insurance (Leco, Andrews University, etc.) do not utilize a dental network and ASR will pay us based on their allowed amounts for each procedure.

These are the most popular insurance companies we are in network with.  We have agreed to lower our charges to what they allow for each procedure.  Then they will pay based on the percentages setup on your plan.

Example:

We charge $90 for a cleaning.  Our contract with your insurance only allows us to charge $70, and your insurance pays 100%.  Your insurance pays $70.  We write-off $20.  You pay $0.


reduced fee plans that we accept

 St. Joseph Mi Dentist - David Ronto - Aetna Dental Access Provider
 St. Joseph Mi Dentist - David Ronto - Vital Savings Provider

Reduced Fee Plans are NOT insurance. We verify that you have signed up with these plans, then we lower our standard fees to the fees allowed by our contract with Aetna. Payment is required in full at time of service to receive this discount. Cheapest place to sign up for these plans that we have found is www.vitalsavings.com. $90/year for 1 person or $120/year for a family. Every procedure has a different savings, but on average you will save approximately 25% off most procedures.


other insurances that our patients have**

 St. Joseph Mi Dentist - David Ronto - Activa
 St. Joseph Mi Dentist - David Ronto - Adventist Risk
 St. Joseph Mi Dentist - David Ronto - Aflac
 St. Joseph Mi Dentist - David Ronto - AlwaysCare
 St. Joseph Mi Dentist - David Ronto - American General
 St. Joseph Mi Dentist - David Ronto - Ameritas
 St. Joseph Mi Dentist - David Ronto - Anthem BCBS
 St. Joseph Mi Dentist - David Ronto - Assurant Health
 St. Joseph Mi Dentist - David Ronto - BCBS of IL
 St. Joseph Mi Dentist - David Ronto - Best Life
 St. Joseph Mi Dentist - David Ronto - Brokers National
 St. Joseph Mi Dentist - David Ronto - Cigna
 St. Joseph Mi Dentist - David Ronto - Companion Life
 CoreSource
 St. Joseph Mi Dentist - David Ronto - Coventry
 St. Joseph Mi Dentist - David Ronto - EBC
 St. Joseph Mi Dentist - David Ronto - Federated
 St. Joseph Mi Dentist - David Ronto - FHM CoreSource
 St. Joseph Mi Dentist - David Ronto - Dearborn National
 St. Joseph Mi Dentist - David Ronto - GEHA
 St. Joseph Mi Dentist - David Ronto - HRI
 St. Joseph Mi Dentist - David Ronto - Humana
 St. Joseph Mi Dentist - David Ronto - Lincoln Financial
 St. Joseph Mi Dentist - David Ronto - MEGA
 St. Joseph Mi Dentist - David Ronto - Meritain
 St. Joseph Mi Dentist - David Ronto - PBA
 St. Joseph Mi Dentist - David Ronto - Principal
 St. Joseph Mi Dentist - David Ronto - Security Life
 St. Joseph Mi Dentist - David Ronto - Set Seg
 St. Joseph Mi Dentist - David Ronto - United Healthcare
 St. Joseph Mi Dentist - David Ronto - Shenandoah Life
 St. Joseph Mi Dentist - David Ronto - SunLife
 St. Joseph Mi Dentist - David Ronto - UMR
 St. Joseph Mi Dentist - David Ronto - United Concordia

**These companies we are either out-of-network with, or they are not part of a dental network and for them there is no such thing as in-network or out-of-network providers. We will gladly bill your insurance, and these companies will pay based on the amounts that they consider reasonable & customary for each procedure. It is your responsibility for any remaining balance should our fees be over what they allow as reasonable & customary.

Example:

We charge $90 for a cleaning. Your insurance allows $80 and pays 100% for a preventive service such as a cleaning. They will pay $80. Your portion due would be $10.