Payment & Insurance

Payment
Your payment or co-pay is due at the time of service. If your treatment requires more than one visit, payment is due at the first visit. For your convenience, we accept most major credit cards: Visa, MasterCard, Discover and American Express, as well as debit cards, checks and cash. We can also process your credit card payments over the phone. You are always welcome to make advanced payments on your account before your appointment since we do not offer payment plans.

Dental Insurance
Dr. Waters is contracted in-network with Delta Dental of New Mexico (City of Clovis and other employers), Metlife and United Concordia. We file claims as a courtesy with your insurance carrier. In some cases, you will be asked to pay for your services at the time of your appointment and we will request your insurance company reimburse you with their payment. It is always best to contact your dental insurance company before seeking treatment with any dental office, so you will understand your coverage, deductible, co-pay, maximum and what your insurance coverage assists you with for your dental care.

Medical Insurance
Dr. Waters is not contracted with any health insurance company and are therefore considered a "non-network" provider. Since Dr. Waters is not a health provider, you will be asked to pay for your treatment at the time of service. Your health insurance may reimburse you, but we highly advise that you contact your health insurance company before being seen for treatment, so that you are informed about your health coverage, deductible, co-pay and maximum benefits.

We will do our best to help you maximize your insurance benefits to assist with your dental care. We are happy to request Pre-Authorization estimates in advance of your treatment from your insurance company at your request, so you will have an expectation of your co-payment. However, Pre-Authorizations are only an estimate and not a guarantee of payment by your insurance company. It is your responsibility to know and understand your coverage and benefits. Ultimately, your account balance is your responsibility.