Financial Policy
We believe nothing should stop you from a perfect smile. Our financial team works with you to make care affordable and stress-free.
We Accept Most Major Dental Insurance Plans
Island Dental accepts most major dental insurance plans. As a courtesy, we will help verify your available benefits, submit claims on your behalf, and provide an estimate of your expected out-of-pocket costs before treatment whenever possible. Please bring your current insurance information to your visit.
Insurance benefits vary by plan, and information provided by an insurance company is not a guarantee of coverage or payment. Your insurance carrier makes the final coverage and payment determination after a claim is submitted and processed.
- We verify available benefits before treatment whenever possible
- We submit insurance claims on your behalf
- We explain your estimated out-of-pocket cost before treatment
- We can assist with denied claims or additional documentation when appropriate
- We coordinate benefits when secondary coverage applies
- HSA & FSA payments are accepted at both locations
We do not accept Medicaid, DMO plans, Healthfirst, or DentaQuest.
Not sure if we accept your plan? Call or text us at (516) 565-6565 and our team can help you check your plan.
Ways to Pay
Cash
Check
Visa
Mastercard
Discover
American Express
HSA / FSA
Patient Financing
Multiple financing options available
0% Financing Available
Financing is available through CareCredit, Cherry, Sunbit, HFD, iCreditWorks, and Alphaeon. Our financing partners offer promotional 0% financing for qualified patients on select fixed-term plans, along with extended payment options. Across our financing partners, advertised approval rates may be as high as 96%. Our team can help you review available options before treatment begins.
- 0% promotional financing available for qualified patients on select fixed-term plans
- Extended payment plans may be available up to 60–72 months
- Advertised approval rates across our financing partners may be as high as 96%
- Apply from your phone or in our office
- Terms and payment options are reviewed before treatment begins
Financing is provided by independent third-party lenders and is subject to application, credit approval, eligibility requirements, and lender terms. Promotional periods, interest rates, payment amounts, approval criteria, and other terms vary by provider and applicant. 0% promotional financing is available only on qualifying plans and for eligible applicants. Island Dental does not make lending or approval decisions.
Island Dental Advantage Plan
For patients without dental insurance, Island Dental offers the Island Dental Advantage Plan, an in-house dental membership program that includes preventive services and discounts on eligible treatment. It is not dental insurance.
General Membership
Periodontal Membership
- 2 comprehensive exams per year
- 2 professional cleanings per year
- 1 set of bitewing X-rays per year
- 1 emergency exam per year, if needed
- Discounts on eligible additional treatments
- No waiting periods for included membership benefits
- No insurance annual maximums
- No insurance claim forms
The Island Dental Advantage Plan is a dental membership program and is not insurance. Membership benefits, exclusions, limitations, fees, and eligibility are subject to the plan terms in effect at the time of enrollment. Ask our team for current plan details.
What to Expect at Checkout
Payment for your estimated portion of treatment, including applicable copays, deductibles, coinsurance, and non-covered services, is due at the time of service unless other payment arrangements have been approved in advance.
- Before treatment, we review the insurance information available to us and provide an estimate of what your plan is expected to pay and what your estimated responsibility may be.
- Insurance estimates and preauthorizations are not guarantees of payment. Your insurance carrier makes the final coverage and payment determination after the claim is processed.
- If your insurance pays less than estimated or determines that a service is not covered, the remaining patient responsibility is due unless otherwise required by law or our agreement with your insurance plan.
- If your account has a credit balance after insurance claims and outstanding balances are resolved, the credit will be applied to your account or refunded as appropriate.
- For larger treatment plans, we review expected costs, insurance estimates, payment arrangements, and available financing options before treatment begins.
Insurance benefits vary by plan. Patients are responsible for amounts ultimately determined to be their responsibility under their insurance plan.
Questions about a bill, insurance estimate, or account balance? Call (516) 565-6565 and our team will review it with you.
Missed Appointments & Cancellations
Your appointment time is reserved specifically for you. If you need to cancel or reschedule, please call us at (516) 565-6565 at least 24 hours in advance so we can offer that time to another patient who needs care.
- Please provide at least 24 hours’ notice to cancel or reschedule whenever possible.
- Running late? Please call us. We’ll do our best to see you, although we may need to reschedule your appointment to avoid delaying other patients.
- To reschedule, call either office or request a new appointment online.
Financial Policy FAQs
We accept most major dental insurance and union plans, including many PPO plans. Coverage varies by plan, so call us at (516) 565-6565, and our team will be happy to help verify your benefits before your visit. You can also contact us online with questions about your coverage.
No problem. We offer the Island Dental Advantage Plan — $545/year for general coverage or $645/year for periodontal coverage. It includes exams, cleanings, X-rays, and discounts on all treatments. No waiting periods, no claim forms. We also offer 0% financing with a 96% approval rate, subject to credit approval.
Yes. 0% financing is available through CareCredit, Cherry, Sunbit, and HFD for qualifying patients. Plans range from 3 to 36 months at 0% interest. Extended plans up to 72 months are also available. All financing is subject to credit approval.
Yes. Health Savings Accounts and Flexible Spending Accounts are accepted as payment at both Island Dental locations. These pre-tax dollars can cover most dental procedures — exams, cleanings, crowns, implants, and more.
Estimated copays and patient portions are typically due at the time of service. Our team will review your benefits and explain your estimated out-of-pocket cost before any treatment begins — no surprises.
We explain your coverage and estimated out-of-pocket cost before treatment begins. If insurance doesn’t fully cover a procedure, we offer 0% financing, in-house payment plans, and our membership plan to help bridge the gap. Nothing should stop you from a perfect smile.
Yes. We file all insurance claims on your behalf and follow up on any outstanding claims or denials. We also appeal denied claims and fight for your coverage. You shouldn’t have to deal with paperwork — that’s our job.
We have a 96% approval rate across our financing partners. We work with CareCredit, Cherry, Sunbit, and HFD — each with different approval criteria. We have all the options and credit levels covered. If one partner doesn’t work, another will.
No matching questions. Try a different word, or ask us directly.