Methods of Payment, Insurance Plans and Dental Financing

Financial Policy

Forms of payment accepted by our office are: CASH, Check, and major credit card (VISA, MasterCard, Discover, and American Express). We will do everything we can to help you afford the treatment you need and want. For patients who require major work, a complete payment plan can be custom designed for you with an appropriate payment schedule. We have electronic records that provide an estimate of insurance coverage and ask that you pay for your portion of the bill at the time of service.


We are happy to submit insurance forms on your behalf to help you recover the most from your provider benefits. The world of dental insurance is ever-changing, as patients and employers change providers on an ever-increasing basis. Please let us know of any changes to your insurance at the time of your next appointment.

We are ‘In-Network’ Preferred Providers For Delta Dental of Missouri – Premier

  • UPDATE September 2022:  Due to the discontinuation of the Cigna plan that our office was contracted with, and changes to the terms of DELTA DENTAL’s Premier provider contracts we are no longer ‘In-Network’ providers for Blue Cross Blue Shield (effective 10/11/22) or Cigna (effective 10/01/22).  We are still able to see you as a patient and will still file these claims on your behalf in accordance with the policies of the involved insurance companies.

If you have insurance other than DELTA DENTAL, you are often still able to receive dental benefits. Many times, coverage is the same as at other offices for routine procedures but there may be some differences. Many insurance companies discount the price that they will pay on your behalf and offices that accept these rates are confined to perform the procedure within this allowed cost. To maintain the quality of dental care that Dr. Cochran desires to provide to our patients, we have chosen not to contract with many ‘discount’ plans. The price of quality dental materials and lab fees are a large portion of the procedure cost. By not compromising here, we are able to perform the quality dental work that you expect and that we demand. We will work with you and the insurance provider to retrieve any coverage that you may have.

Each plan, even within the same provider, has differences, and there is no way to know exactly what your particular plan will cover and at what rate. Dr. Cochran and staff can submit a pre-determination on your behalf to receive an estimate from your insurance company to determine what coverage is available. These estimates generally take up to a month to be processed by the insurance company and often come with a disclaimer but are a way to know how a non-emergency procedure will be covered. You can also contact your insurance company directly to learn about your coverage. If you work at a larger company with an HR department, they may also be helpful in explaining coverage benefits.

If you have any insurance questions, call us today at (816) 436-2150.