Making Wellness Accessible

At Restorative Wellness Center, we believe that financial considerations should not prevent anyone from receiving the care they need.

We believe in making treatments for TMJ and sleep disorders accessible to everyone, and we offer a range of flexible financing and insurance options to suit different budgets and needs to make sure that’s possible.

Understanding the Costs of Your Care

We're transparent about the costs of treatments at Restorative Wellness Center. While medical expenses can vary based on specific needs and treatment plans, we're dedicated to providing you with affordable options and a clear understanding of what to expect financially. Let's explore how we can make this possible for you.

Insurance & Financing

Convenient Payment Solutions

We accept a variety of direct payment options to accommodate your needs. Whether you prefer to use a major credit card, set up automatic bank withdrawals, or utilize your HSA/FSA accounts, we make it easy for you to manage your payments:

  • Credit cards: All major cards are accepted.
  • Automatic monthly payments: Simplify your budgeting with scheduled withdrawals.
  • HSA/FSA: Use your pre-tax dollars for eligible treatment expenses.

Easy Third-Party Financing Options

Managing healthcare expenses shouldn’t be a headache. That's why we offer flexible financing options through CareCredit, Cherry Financing, and other reputable third-party lenders like iCreditworks.

With Cherry Financing, you can choose a plan that fits your budget, whether it's splitting your payments into three, six, or even 12-month installments. This option allows you to get the care you need without delay, and with no hidden fees, you can rest easy knowing exactly what you'll pay each month.

Break down your payments into manageable monthly installments and get the care you need without the stress of worrying about lump sum payments.

Will My Insurance Pay for This?

Our providers are Fee for Service/Out of Network by necessity. Historically, medical insurance excludes coverage for TMJ/Pain treatment and limits access to specific appliances for Obstructive Sleep Apnea. Obstructive Sleep Apnea is a medical condition treated with a dental device. Because it is a medical condition, only medical insurance will provide coverage. This is subject to your annual medical insurance deductible. If you have met your deductible, they will generally cover more expenses. If you have not, your payment will apply to your deductible for other services you may need this year.

Great news: your care at our office is not limited because we do not contract with insurance companies. You and the provider determine what is best for you versus the insurance company dictating your care.

We do not accept insurance because we care about you too much. If we did, our practice would not be in existence to serve the patients we’ve treated. Medical insurance chooses to not reasonably participate in paying for conservative treatment for TMD, Craniofacial Pain, and Dental Sleep Medicine.

Medicare

Medicare does not cover TMJ/TMD treatment, thus we cannot contract or be a preferred provider. Insurance companies do not determine the standard of care for TMJ disorders and Sleep Breathing Disorders. Physicians and Dentists determine the standard of care. The American Dental Association has some good guidelines for care, but the ADA is not a credentialing body.

Why Do You Not Work With Insurance?

The short answer is that we cannot deliver the quality of care you deserve with the constraints that insurance companies force upon the doctor and patient. The limitations they place makes it impossible to deliver the services we provide. Contracting does not allow patients to choose what they want to do. This is precisely why the major medical establishments locally do not participate in the care of these issues, as they cannot get reasonably reimbursed for it to be practical.

Here are some examples of the constraints currently present:

  • Medical insurance does not approve treatment of mild Obstructive Sleep Apnea (OSA) without a prior heart attack, stroke, depression, and comorbid conditions. We believe It’s best to treat breathing disorders prior to a patient developing the chronic diseases that they contribute to.
  • They will not approve the treatment of OSA with an oral appliance if the patient has signs or symptoms of TMD.

We often recommend a 3D CBCT (Cone Beam CT scan) to help with our diagnostic evaluation of the anatomy and in January 2022 the CPT code 76102 was eliminated and thus cannot be billed to medical insurance.

Every provider across the country often utilizes “orthotics” or appliances for the treatment of TMD, bruxism, etc. In July 2015 the CPT code S8262 for TMJ Orthotic Appliances was eliminated, thus it cannot be billed to medical insurance.