Insurance & financing
Dental billing has a reputation, and it is mostly deserved. Here is exactly how we handle insurance, estimates, and payment so nothing arrives as a surprise.
Four situations
PPO insurance
We are an in-network provider with Delta Dental Premier, and as a courtesy we submit claims to any dental insurance free of charge. Bring a copy of your card at your first visit of each benefit year, and ask us for a pre-authorization before restorative treatment if you want your coverage confirmed in writing first.
No insurance
Preventive care is included and the Premium and Perio plans discount everything else by 15%. There are no deductibles, no waiting periods, and no annual maximum to run out of in October.
Larger treatment
We can split treatment across two or three monthly payments with no fee and no interest. For longer terms we work with Cherry, CareCredit, and Lending Club, and approval takes a few minutes at the front desk.
Paying directly
Patients who pay in full with cash or check at the time of service receive a 3% courtesy. We accept Visa, MasterCard, American Express, and Discover, as well as EBT cards.
Our financial policy
At Markiewicz Dental of Mundelein, our goal is to help you keep your teeth for a lifetime. We will address both your short-term and long-term dental needs and work with you to develop a treatment plan that both ensures your dental health and fits within your budget.
Dental insurance is not traditional “insurance” (a payment to cover the cost of a loss) but rather a benefit designed to assist with the cost of routine dental care. Most plans cover only a portion of the total cost of necessary dental treatment. For example, while a dentist may recommend a crown for a tooth with extensive decay, your dental plan may only cover the cost of a filling. This does not mean that a crown is unnecessary—it simply means that your benefit is limited to a filling.
Our providers diagnose treatment based on your dental health needs, not insurance coverage.
As a courtesy to our patients with dental insurance, we will submit claims to your insurance company free of charge. To facilitate this process, we require a copy of your insurance card and/or insurance policy at your first visit of each benefit year.
We strive to help you maximize your insurance benefits by submitting pre-authorizations upon request prior to restorative treatment, giving you a better understanding of your coverage. However, given the wide variety of insurance providers and individual plans, it is not possible for us to know the specifics of every plan. It is your responsibility to be aware of your specific insurance coverage and limitations.
If your insurance has not paid within 90 days of services rendered, you will be required to make full payment to Markiewicz Dental. Should your insurance company issue payment after 90 days, we will provide you with a reimbursement check.
We are an in-network provider with Delta Dental Premier. If you have Delta Dental Premier, we require payment for your deductible and estimated co-pay on the day of service.
For patients with dental insurance benefits, claims for preventive services will be submitted to your insurance. After processing, you will receive a statement for any remaining balance, which is due upon receipt.
For non-preventive services, payment is due on the day of treatment unless prior arrangements have been made. If you have Delta Dental Premier, we require payment for the deductible and estimated co-pay on the day of service.
For your convenience, we accept Visa, MasterCard, American Express, and Discover credit cards, as well as EBT cards. We also offer a discount for pre-payment.
3% Courtesy Discount
Patients who pay in full with cash or check at the time of service will receive a 3% courtesy.
Internal Payment Plans
With no additional fees or interest, we offer our patients the option to split their treatment costs into two or three monthly payments.
Third-Party Financing
We offer flexible payment plans through Cherry Financing, allowing you to receive the care you need with manageable monthly payments.
Financing applications: CareCredit, Lending Club, Cherry. Ask the front desk for a Cherry application.
Already have a statement?
Preventive balances are billed after your insurance processes the claim and are due on receipt. You can settle them online.
Pay your billCommon questions
Call 847.566.2811 and we will check your coverage before you ever sit in a chair.