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Financial Options

Payment Options

For your convenience, we accept cash, personal checks, money orders and major credit cards including, VISA, MasterCard & Discover. Payment is expected at the time services are performed. When more extensive dental care is necessary, extended financial arrangements can be made through a 3rd party financial institute.





As a service to our patients, we will submit all claims to your respective insurance company. However, there could be circumstances where we will expect payment at the time services are completed as we are not a participating provider of any insurance company other than Cigna’s health care savings plan! Please check with your insurance company prior to your visit to see if your plan has “out of network” benefits. Our accounting staff will prepare all the necessary forms for your dental benefits. However, we remind you that your specific policy is an agreement between you and your insurance company. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. Our staff will gladly submit a pre-treatment estimate to your insurance company so that you will know what your benefits will be.

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.

Please contact our Martinsburg dental office if you have any questions regarding the managed care or insurance plans that we can file.



Dental Financing - Citi Health Card

We’re pleased to offer our patients Citi Health Card. Citi Health Card lets you begin your treatment immediately – then pay for it over time with low monthly payments that fit easily into your monthly budget.

Use your Citi Health Card at participating providers to get flexible payment plans for the health care treatments your family needs. Participating providers may offer a variety of payment plans* for many procedures that aren't fully covered by insurance.


  • Low minimum monthly payments
  • No-interest financing if paid within 12 months (Additional plans may be available)
  • No up-front costs, pre-payment penalties or annual fees

Learn more by contacting our office. It only takes a few minutes to apply for Citi Health Card and you may receive an online decision in seconds! For more information or to apply now, just click on the link below.