Financial Information

At St. Paul Oral Surgery, we make every effort to provide you with the finest surgical care and the most convenient financial options. To accomplish this, we will work with you to maximize your insurance reimbursement for covered procedures and find a payment option that works best for you.

Payment Responsibility:

It is the responsibility of the patient or the patient’s responsible party for all charges incurred regardless of insurance coverage.

Payment Methods:

For your convenience, we accept Visa, MasterCard, Discover, personal checks and cash. We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time of service.

As a service to our patients, we are pleased to offer Care Credit*, the nation’s leading patient payment program. With CareCredit you can finance 100% of your dental care and there are no upfront costs, no annual fees, and no pre-payment penalties. So, you can begin your treatment today and conveniently pay with low, monthly payments.

CareCredit* offers a full range of payment plans so you can find one that works best for you. With the popular No Interest Payment Plans* there are no interest charges for up to 12 months. They also offer low monthly payments for up to 48 months depending on the financed amount once you qualify.

Please visit for details on the program and apply online.

*This program is subject to credit approval.

Intial Payments:

If you are covered by insurance, you are expected to pay an estimated portion for your co-pay. Thisamount is due on the day of your surgery. If there is no insurance coverage for your surgery, payment in full is expected on the day of your surgery.


As a courtesy, we will file your insurance claims for you, provided that you have supplied us with complete and accurate information. Depending on your surgery, and your specific insurance plan, your surgery may be covered by both medical and dental, covered by only medical, covered only by dental, or not covered at all. Because of this, we ask that you call your insurance company prior to your surgery to verify your coverage. We will assist you in coordinating benefits. If you have more than one insurance, we will first file the primary insurance and once consideration has been made we will then file the secondary insurance. To ensure prompt payment, we encourage you to check the status of your claim with your insurance company. Please remember that insurance is a contract between you, your employer and the insurance company. You are fully responsible for all fees charged regardless of your insurance coverage.

Patient Billing:

You will receive a monthly statement from us regardless of your insurance coverage. Most insurance companies will respond within 30 days (if you have more than one insurance plan this process will take longer). Any remaining balance after your insurance has paid is your responsibility. Your prompt payment is appreciated.


Accounts that cannot be collected after normal in-house collection procedures may be referred to a collection agency for further collection action. You will be responsible for all collection costs, attorney fees and court costs.

Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage.