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Patricia L. Westerhout, DDS
Malina Bankiewicz, DDS, MD
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Financial Arrangements and Insurance Information

As a patient in our practice, we will do our best to offer the payment option that works best for you and your family, whether you are covered by dental insurance or not. The following outlines our Financial Arrangement Options. You may find it useful to read prior to your appointment with us.

Click here to read more about our Financial Arrangement Options

General Insurance Questions

If you have general questions about what your dental insurance might and might not cover, we have provided a list of some frequently asked questions below. You will receive a copy of "My Insurance Covers This... Right?", which provides a more comprehensive explanation of insurance benefits, during your first visit to our office. 

Frequently Asked Questions About Dental Insurance and Dental Benefits

Why doesn't my insurance cover all the costs of my dental treatment?

My plan says that my exams and certain other procedures are covered 100%, but they're not always. Why?

My dentist recommends a treatment that my plan will not pay for. Does this mean the treatment really isn't necessary?

My dental plan says that it will pay 100 percent for two dental checkups and cleanings each year. However, I just had my first checkup and cleaning, and the insurance company says I owe for part of the dentist's charge. How can this be?

Does my dentist have to send a description of my treatment plan to the third-party payer before I have any dental work done?

Who is covered by my dental benefit plan? What does my dental plan cover?

My dentist is not on the list of dentists provided by my employer. Can I still go to him/her for treatment?

What is direct reimbursement?