Financial Policy

After Dr. Almaraz, Dr. Kaminski or Dr. Syndergaard has established a treatment plan, we will review the fees for the suggested treatment with you.


There is a fee for the first visit/exams. We collect in full at the time of initial visit. We do accept: Visa, Master Card, Discover, American Express and Care Credit. We will accept personal checks, if we have your social security number and a copy of a photo ID. For a dental credit card, ask us about Care Credit.


    1. payment for treatment is due in full at the time of service.

  2. FOR PATIENTS WITH DENTAL INSURANCE: Insurance is billed electronically, as a courtesy to you. In order to process insurance claims, we must have the following: Insurance card, social security number, photo ID and assignment of benefits to Dr. Almaraz, D.D.S., Ltd, where applicable. Payment: We collect your portion at each appointment. Without pre-authorization from your insurance company, we will collect in full. If your primary insurance company has responded to our request for pre-authorization, we will collect the amount they estimate to be your responsibility, this includes those patients with 2 insurance companies.

    1. Your periodontal hygiene visits. Most insurance companies do not cover the full fee for these appointments, and therefore a co-pay is required for most hygiene visits.

    2. We allow 30 days for your insurance company to pay claim. 45 days after treatment, all balances are due from you, even if insurance benefits are pending.

    3. A 1.5% finance fee will be added to any balance 60 days or more past due.

    4. Any balance 90 days or more past due is subject to collection proceedings.

  3. Federal Blue Cross: We do not contract with your insurance. ALL FEES ARE DUE AT THE TIME OF SERVICE, even if you have a secondary insurance company. Benefits are assigned to the patient. It will be your responsibility to provide our office with the explanation of benefits to bill your 2nd insurance.

  4. Regarding Medicare recipients: This office has opted out of the Medicare program.

  5. Any credit balance that occurs will be refunded as soon as possible, or applied to you next scheduled appointment, per your request. A $25.00 fee will be charged for any returned checks. If there has been any history of Collection delays, payment is due in full on the day of treatment by cash or credit card. We will assist you in billing your insurance, and reimburse you if they pay your claim. . We will assist you in billing your Insurance then reimburse the patient if the pay your claim.

  6. NOTE: We are a specialty office; Patients need to continue to see their General Dentist routinely. No fees for restorative treatment from the General Dentist are included in any treatment plan from this office.