Insurance & Financing Options | Affordable Dental Care in Hillsboro | East Wind Dental Care

At East Wind Dental Care, we believe that everyone deserves access to high-quality dental care—regardless of their insurance status or financial situation. Dr. Merat Ostovar and our team are committed to making dental treatment affordable and accessible for all of our patients in Hillsboro, Beaverton, Aloha, Tanasbourne, and Orenco Station.

We understand that the cost of dental care can be a concern, and navigating insurance benefits can feel overwhelming. That’s why we offer multiple payment options, accept most major dental insurance plans, provide flexible financing through CareCredit, and even offer an in-house membership plan for patients without insurance. Our goal is to remove financial barriers so you can get the care you need to maintain a healthy, beautiful smile.

Verify Your Benefits Today → | Call (503) 614-0198

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Making Dental Care Affordable for Everyone

At East Wind Dental Care, we’ve built our practice on the principle that financial concerns should never prevent someone from receiving necessary dental treatment. Whether you need a routine cleaning, restorative work, or a complete smile makeover, we’re here to help you find a payment solution that works for your budget.

Our Commitment to Affordable Care

Transparent Pricing:

We believe in complete transparency when it comes to costs. Before any treatment begins, you’ll receive a detailed treatment plan with clear pricing. There are no hidden fees or surprise charges—you’ll know exactly what to expect.

Multiple Payment Options:

We offer numerous ways to pay for your dental care, including traditional insurance, third-party financing, in-house payment plans, and our affordable membership program for uninsured patients.

Maximizing Your Benefits:

Our knowledgeable team works diligently to help you get the most out of your dental insurance benefits. We handle all the paperwork, file claims on your behalf, and help you understand your coverage.

Flexible Scheduling:

We can often phase treatment over time, allowing you to spread costs across multiple benefit periods or payment cycles—making larger treatments more manageable.

No Judgment:

We understand that everyone’s financial situation is unique. Our team treats every patient with dignity and respect, and we’re happy to work with you to create a payment plan that fits your circumstances.

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We Accept Most PPO Insurance Plans

East Wind Dental Care is proud to accept most PPO (Preferred Provider Organization) dental insurance plans. We work with a wide range of insurance carriers to ensure that our patients can use their benefits at our practice.

Major Insurance Carriers We Accept

We are in-network or out-of-network providers for most major dental insurance companies, including:

Major National Carriers:

• Delta Dental (all plans)
• MetLife
• Cigna
• Aetna
• Guardian
• Humana
• United Healthcare/UnitedConcordia
• Principal
• Ameritas

Regional & Other Carriers:

• Pacific Source
• Moda Health
• Providence Health Plan
• Kaiser Permanente (as out-of-network provider)
• BlueCross BlueShield
• Many other PPO plans

Not sure if we accept your plan? Call us at (503) 614-0198 with your insurance information, and we’ll verify your benefits and let you know your coverage details before your appointment.

In-Network vs. Out-of-Network: What’s the Difference?

In-Network Provider:

When we’re in-network with your insurance plan, we’ve agreed to accept negotiated fees for services. This typically means:

• Lower out-of-pocket costs for you
• Predictable co-pays and deductibles
• Direct payment from your insurance to our office
• No balance billing beyond your portion

Out-of-Network Provider:

Even if we’re out-of-network with your plan, you can still use your benefits:

• Your insurance will still pay a portion based on their fee schedule
• You may have slightly higher out-of-pocket costs
• We’ll still file claims and handle paperwork for you
• You’ll receive a detailed pre-treatment estimate
• Many patients find the difference is minimal and worth it for quality care

Important: We believe in building long-term relationships with our patients. Many patients choose to stay with us even when we’re out-of-network because of the quality of care, personalized attention, and comprehensive service we provide.

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How Dental Insurance Works: Understanding Your Benefits

Dental insurance can be confusing, but understanding the basics helps you make informed decisions about your care. Here’s a straightforward explanation of how dental insurance typically works:

Key Insurance Terms Explained

Annual Maximum:

This is the maximum amount your insurance will pay toward dental care in one calendar year (usually January 1 – December 31) or benefit period. Most plans have an annual maximum between $1,000 and $2,000. Once you reach this limit, you’re responsible for 100% of additional costs until the next benefit period begins.

Deductible:

The amount you must pay out-of-pocket before your insurance begins to pay benefits. Many plans have deductibles ranging from $50 to $100 per person, with a family maximum of $150 to $200. Some preventive services (like cleanings and exams) are covered without requiring you to meet your deductible first.

Co-Insurance/Coverage Percentage:

After you meet your deductible, your insurance will pay a percentage of the cost, and you pay the remaining percentage. This is your co-insurance.

Premium:

The monthly or annual fee you (or your employer) pay to maintain your dental insurance coverage, regardless of whether you use it.

Waiting Period:

Some plans impose waiting periods before certain services are covered—typically 6 months for basic procedures and 12 months for major procedures. This usually only applies to new enrollees.

Standard Coverage Categories

Dental insurance typically categorizes services into three or four tiers:

Class I: Diagnostic & Preventive Services (Usually 80-100% covered)

These are routine services that help prevent problems:

• Comprehensive exams (usually twice per year)
• Routine cleanings (usually twice per year)
• Fluoride treatments (often for children only)
• X-rays (frequency varies by type)
• Oral cancer screenings
• Sealants (often for children only)

Most plans cover preventive services at 100% with no deductible, encouraging patients to maintain regular dental visits and catch problems early.

Class II: Basic Restorative Services (Usually 70-80% covered)

These are common procedures to restore teeth:

• Fillings (amalgam and composite)
• Simple extractions
• Emergency exams and treatment
• Periodontal maintenance (after gum disease treatment)
• Some root canal therapy

Basic services typically require you to meet your deductible first, then insurance covers 70-80% of the cost.

Class III: Major Restorative Services (Usually 50% covered)

These are more extensive procedures:

• Crowns
• Bridges
• Dentures and partials
• Implants (coverage varies widely)
• Root canal therapy (sometimes categorized here)
• Oral surgery (complex extractions)
• Periodontal surgery

Major services usually require you to meet your deductible and often have waiting periods. Insurance typically covers 50% of costs.

Class IV: Orthodontics (Coverage varies widely)

Many plans don’t include orthodontic coverage. Plans that do typically:

• Cover 50% of treatment
• Have a separate lifetime maximum (often $1,000-$2,000)
• Cover children only (under age 18 or 19)
• Have specific waiting periods

Common Insurance Limitations

Frequency Limitations:

Insurance often limits how frequently certain procedures are covered:

• Exams and cleanings: Usually every 6 months
• Full-mouth X-rays: Usually once every 3-5 years
• Bitewing X-rays: Usually once per year
• Fluoride: Often limited to patients under 19

Procedure Limitations:

• Crowns: May only be covered once every 5-7 years on the same tooth
• Replacement of existing crowns/bridges: Often only covered if the existing restoration is 5+ years old
• “Downgrades”: Insurance may cover only amalgam (silver) fillings even if you choose composite (tooth-colored) fillings

Pre-Authorization Requirements:

Many major procedures require pre-authorization (also called pre-determination) before treatment. This means:

• We submit a treatment plan to your insurance before starting work
• Insurance reviews and tells us what they’ll cover
• You know your out-of-pocket costs upfront
• This helps avoid surprise bills

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Insurance Verification and Filing: We Handle the Paperwork

At East Wind Dental Care, we believe navigating insurance shouldn’t be your responsibility. Our experienced team handles all aspects of insurance verification and claims filing, so you can focus on your dental health.

What We Do For You

Pre-Appointment Verification:

Before your first visit, our team verifies your insurance coverage by contacting your carrier. We determine:

• Your remaining annual maximum
• Your deductible status (met or not)
• Coverage percentages for different service categories
• Frequency limitations on cleanings and exams
• Any waiting periods or restrictions
• Whether pre-authorization is required for planned procedures

Treatment Plan & Cost Estimates:

After your examination, if you need treatment beyond routine preventive care, we’ll:

• Create a detailed treatment plan
• Submit it to your insurance for pre-authorization (when required)
• Receive a breakdown of what your insurance will cover
• Provide you with an accurate estimate of your out-of-pocket costs
• Review all costs with you before proceeding

Claims Filing:

We file insurance claims on your behalf:

• We submit claims electronically for faster processing
• We include all necessary documentation
• We follow up on claims if payment is delayed
• We handle any questions or issues from your insurance company
• In most cases, your insurance pays us directly

Explanation of Benefits (EOB) Assistance:

When you receive an EOB from your insurance, it can be confusing. Our team is happy to:

• Explain what your EOB means
• Answer questions about what was covered
• Address any discrepancies
• Help resolve billing issues

Your Responsibility

While we handle most insurance matters, patients are ultimately responsible for:

• Knowing your insurance coverage and limitations
• Meeting your deductible and co-insurance amounts
• Paying for services not covered by your plan
• Paying any balance if insurance pays less than expected
• Updating us with any changes to your insurance

Note: While we make every effort to verify benefits accurately, insurance companies sometimes provide incorrect information or pay differently than anticipated. We file claims as a courtesy, but your policy is a contract between you and your insurance company.

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Maximizing Your Dental Insurance Benefits

Dental insurance is part of your overall compensation package—don’t let your benefits go to waste! Here are expert strategies to get the most value from your dental insurance:

End-of-Year Planning

Use It or Lose It:

Remember, most dental insurance plans operate on a calendar year. Your benefits DON’T roll over—if you don’t use your annual maximum by December 31st, you lose it. If you’ve been putting off needed treatment, schedule it before year-end.

Deductibles Reset:

Your deductible resets every January 1st. If you’ve already met your deductible this year, you’re paying less out-of-pocket for treatment right now than you will in January.

Strategic Treatment Timing:

If you need extensive work that exceeds your annual maximum, we can often split treatment across two benefit periods (December and January) to maximize coverage from two years’ worth of benefits.

Regular Prevention Saves Money

Use Your Preventive Benefits:

Most plans cover two cleanings and exams per year at 100%. Using these benefits:

• Keeps your teeth and gums healthy
• Catches small problems before they become expensive
• Often pays for itself many times over in avoided treatment

Catch Problems Early:

A small cavity that could be fixed with a $150-200 filling (80% covered) can turn into a $1,200 root canal and crown (50% covered) if left untreated. Regular checkups save you money.

Understand Your Policy

Read Your Benefits Booklet:

Understanding your coverage helps you make informed decisions. Know your:

• Annual maximum
• Coverage percentages
• Deductible amount
• Exclusions and limitations

Ask Questions:

Our team is here to help! If you don’t understand your coverage, ask us. We’ll explain it in plain English.

Timing Considerations

Start Major Treatment Early in the Year:

If you need multiple procedures, starting early gives you the flexibility to:

• Spread treatment across multiple appointments
• Have time to address complications if they arise
• Potentially use benefits from two different years

Coordination of Benefits:

If you have coverage through two different plans (for example, your employer and your spouse’s employer), this is called coordination of benefits. We can bill both insurances to maximize your coverage.

Take Advantage of Our Expertise

Ask About Alternative Treatments:

Sometimes there are multiple ways to address a dental problem, with different coverage levels. We’ll discuss all options with you.

Pre-Authorization:

For major work, we always recommend pre-authorization. This ensures you know exactly what your insurance will cover before treatment begins.

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CareCredit Financing: Flexible Payment Plans

For treatments not fully covered by insurance or if you don’t have insurance, East Wind Dental Care offers financing through CareCredit—a healthcare credit card specifically designed for medical and dental expenses.

What is CareCredit?

CareCredit is a credit card that can be used exclusively for healthcare services, including dental care. It offers special financing options that traditional credit cards don’t provide, making it easier to afford the dental care you need.

Interest-Free Financing Options

6 Months Interest-Free:

For purchases of $200 or more, CareCredit offers 6 months of interest-free financing. This is ideal for:

• Basic restorative procedures
• Multiple fillings
• Periodontal treatment
• Minor cosmetic procedures

12 Months Interest-Free:

For purchases of $1,000 or more, CareCredit offers 12 months of interest-free financing. Perfect for:

• Crowns and bridges
• Root canal therapy
• Dental implants (single tooth)
• Dentures or partials
• Cosmetic dentistry

18-24 Months Interest-Free:

For larger purchases, CareCredit offers extended interest-free periods. Great for:

• Multiple dental implants
• Full mouth rehabilitation
• Extensive cosmetic makeovers
• Orthodontic treatment

Important: These are promotional financing offers. If you pay the full balance within the promotional period, no interest is charged. If you don’t pay the full balance by the end of the promotional period, interest is charged from the original purchase date.

How CareCredit Works

Simple Application Process:

1. Apply Online or In-Office:

– Apply online at carecredit.com in minutes

– Or apply at our office—we can help you through the process

– Application takes about 5-10 minutes

2. Instant Decision:

– Most applicants receive an immediate credit decision

– If approved, you can use your card right away

– Approval is based on standard credit criteria

3. Use Your Card:

– Use CareCredit for your treatment at East Wind Dental Care

– Make convenient monthly payments

– Re-use your card for future dental care

Flexible Payment Options:

• Choose from multiple payment plans
• Make payments online, by phone, mail, or automatic withdrawal
• No penalty for early payment
• Manage your account through the CareCredit mobile app

Accepted Everywhere:

Your CareCredit card works at over 250,000 healthcare providers nationwide, including:

• Dentists
• Vision care providers
• Veterinarians
• Medical specialists
• And more

Who Can Benefit from CareCredit?

Ideal for patients who:

• Don’t have dental insurance
• Need treatment that exceeds their annual maximum
• Want to preserve emergency savings
• Prefer predictable monthly payments
• Want to phase payments over time

Requirements:

• Must be 18 years or older
• Have a valid Social Security number
• Have a checking account
• Meet credit qualifications

Why We Recommend CareCredit

Immediate Treatment:

Don’t delay needed care due to cost. CareCredit lets you get treatment now and pay over time.

Budget-Friendly:

Spread costs over several months with predictable payments that fit your budget.

Interest-Free Options:

When you pay within the promotional period, you pay no interest—just the cost of your treatment divided into manageable monthly payments.

Family Coverage:

Use CareCredit for family members’ dental care, including children.

Apply for CareCredit Now → | Questions? Call (503) 614-0198

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In-House Membership Plan: Quality Care Without Insurance

Don’t have dental insurance? No problem! East Wind Dental Care offers an affordable in-house membership plan designed to make quality dental care accessible to everyone.

How Our Membership Plan Works

Our membership plan is a straightforward alternative to traditional insurance. You pay an annual fee and receive comprehensive preventive care plus significant discounts on other treatments.

Membership Benefits & Pricing

Individual Adult Plan ($300-400/year):

Includes:

• Two comprehensive exams per year
• Two professional cleanings per year
• Necessary X-rays (bitewings, periapical)
• One emergency exam (if needed)
• Oral cancer screening
• Fluoride treatment

Plus:

• 15-20% discount on all restorative and cosmetic procedures
• No waiting periods
• No annual maximums
• No claim forms or paperwork
• Priority scheduling

Individual Child Plan ($200-300/year):

Includes everything in the adult plan, plus:

• Fluoride treatments at each cleaning visit
• Sealants (if needed)

Family Plans Available:

• Discounted rates for families
• Add additional family members at reduced rate
• All family members receive full benefits

Why Choose Our Membership Plan?

Significant Savings:

Compare the cost of our membership to paying out-of-pocket:

Without Membership:

• Two exams: $160-200
• Two cleanings: $200-280
• X-rays: $100-150
• Emergency exam: $80-100
• Total: $540-730

With Membership: $300-400

You save $140-330+ per year on preventive care alone!

Plus, you receive 15-20% off all other procedures:

• Fillings: Save $30-60 per filling
• Crowns: Save $150-300
• Root canal: Save $150-250
• Dental implants: Save $500-800

No Insurance Hassles:

• No deductibles to meet
• No annual maximums to worry about
• No waiting periods for coverage
• No claim forms to file
• No denied claims or surprise bills

Ideal For:

• Self-employed individuals and small business owners
• Part-time workers without dental benefits
• Retirees who’ve lost employer coverage
• Individuals between jobs
• Those with high-deductible health plans
• Anyone wanting predictable dental costs

Enrollment is Easy

1. Sign Up: Complete a simple enrollment form at our office or call (503) 614-0198

2. Pay Annual Fee: Pay once per year (or ask about monthly payment options)

3. Start Saving: Use your benefits immediately—no waiting period

Enroll in Our Membership Plan → | Call (503) 614-0198

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In-House Payment Plans: We Work With Your Budget

At East Wind Dental Care, we never want finances to prevent you from getting the dental care you need. For patients who need treatment but prefer not to use credit cards or financing, we offer flexible in-house payment arrangements.

How In-House Payment Plans Work

Customized to Your Budget:

We work with you to create a payment schedule that fits your financial situation:

• Monthly payments
• Bi-weekly payments
• Payment amounts you can afford

Simple Terms:

• No interest charges (in most cases)
• No credit check required
• No application process
• No outside financing company

Typically Available For:

• Treatment plans of $500 or more
• Established patients
• Patients committed to completing treatment

Setting Up a Payment Plan

Initial Consultation:

During your treatment planning appointment, let us know you’re interested in a payment plan. We’ll discuss:

• Total treatment cost
• Required down payment (if any)
• Monthly payment amount
• Payment schedule length

Down Payment:

Most payment plans require a down payment of 25-50% of the total treatment cost. This demonstrates your commitment to completing treatment and reduces the financed balance.

Payment Schedule:

We’ll create a written agreement outlining:

• Payment amounts
• Due dates
• Payment method (check, credit card, automatic withdrawal)
• Consequences of missed payments

Automatic Payments:

We encourage automatic monthly payments from your checking account or credit card to ensure consistent payments and avoid missed due dates.

Important Notes

Treatment Completion:

Some payment plans require completion of all payments before final restoration delivery (for example, receiving your final crown or bridge).

Continued Care:

You can continue routine preventive appointments during your payment plan.

Good Faith Requirement:

Payment plans are offered in good faith. If payments aren’t made as agreed, treatment may be paused until the account is brought current.

Contact Us:

If you’re experiencing financial difficulty during your payment plan, please contact us. We’re willing to work with you if you communicate with us.

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Treatment Phasing: Breaking Care Into Manageable Stages

Sometimes the best way to make dental care affordable is to break treatment into phases. Treatment phasing allows you to:

• Spread costs over time
• Use insurance benefits from multiple years
• Address urgent needs first
• Budget for each stage

How Treatment Phasing Works

Comprehensive Treatment Planning:

First, Dr. Ostovar completes a thorough examination and creates a comprehensive treatment plan addressing all of your dental needs.

Prioritization:

We categorize treatments by urgency:

Phase 1: Urgent/Emergency Care

• Active infections
• Severe decay
• Fractured teeth
• Painful conditions
• Unstable teeth

Phase 2: Important Restorative Care

• Cavities that aren’t yet causing pain
• Worn or damaged restorations
• Missing teeth that affect function
• Gum disease treatment

Phase 3: Preventive & Elective Care

• Replacing old but functional restorations
• Cosmetic improvements
• Preventive treatments

Scheduled Phases:

We create a timeline for completing each phase based on:

• Clinical priorities
• Your budget
• Insurance benefit renewal
• Your schedule and availability

Benefits of Treatment Phasing

Financial Flexibility:

• Manageable expenses spread over time
• Ability to save between phases
• Use multiple years of insurance benefits

Strategic Insurance Use:

• Complete Phase 1 late in the year, Phase 2 early the next year
• Maximize two years of annual maximums
• Meet deductible only once across both years

Immediate Relief:

Address painful or urgent problems right away while planning for remaining care.

Reduced Stress:

Less overwhelming financially and physically than trying to complete all treatment at once.

Example Treatment Phasing Scenario

Patient Needs:

• Two teeth requiring root canals and crowns
• Four teeth with cavities
• Gum disease treatment
• Old bridge replacement

Phase 1 (November-December):

• Treat two teeth with the most severe decay (fillings)
• Complete first root canal and crown
• Use remaining current year insurance benefits
• Estimated cost: $1,500 / Insurance pays: $1,000 / Patient pays: $500

Phase 2 (January-March):

• Second root canal and crown
• Periodontal treatment
• Two more fillings
• Use new year’s insurance benefits
• Estimated cost: $2,200 / Insurance pays: $1,300 / Patient pays: $900

Phase 3 (Summer):

• Replace old bridge
• Complete remaining restorative work
• Estimated cost: $2,500 / Insurance pays: $700 (approaching maximum) / Patient pays: $1,800

Total Treatment:

• Total cost: $6,200
• Insurance pays: $3,000 (using two years of benefits)
• Patient pays: $3,200 (spread over 9+ months)

Maintaining Your Treatment Plan

Stay on Track:

• Keep scheduled appointments
• Follow through with each phase
• Communicate if circumstances change

Preventive Care Continues:

• Continue regular cleanings during treatment phasing
• Maintain good home care
• Address any new issues promptly

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FSA and HSA Accounts: Tax-Advantaged Savings for Dental Care

If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use these tax-advantaged funds to pay for dental care at East Wind Dental Care. This is one of the smartest ways to reduce the actual cost of dental treatment.

What Are FSA and HSA Accounts?

Flexible Spending Account (FSA):

• Employer-sponsored benefit
• You contribute pre-tax dollars through payroll deduction
• Must use funds within the plan year (with limited exceptions)
• “Use it or lose it” policy
• Typical contribution limits: $3,050/year per person

Health Savings Account (HSA):

• Available to those with high-deductible health plans
• You contribute pre-tax dollars
• Funds roll over year to year—never expire
• Can invest unused funds for growth
• Triple tax advantage: tax-deductible contributions, tax-free growth, tax-free withdrawals for qualified medical expenses
• Typical contribution limits: $4,150/individual, $8,300/family (varies by year)

Eligible Dental Expenses

Most dental procedures are eligible expenses under FSA and HSA rules:

Diagnostic & Preventive:

• Exams and consultations
• X-rays
• Cleanings
• Fluoride treatments
• Sealants

Restorative:

• Fillings
• Crowns and bridges
• Root canal therapy
• Extractions

Periodontal:

• Gum disease treatment
• Scaling and root planing
• Periodontal maintenance

Prosthodontics:

• Dentures and partials
• Dental implants

Orthodontics:

• Braces
• Invisalign®
• Retainers

Oral Surgery:

• Tooth extractions
• Wisdom teeth removal
• Bone grafting

Other:

• Emergency dental care
• TMJ treatment
• Sleep apnea appliances (with medical documentation)

Generally NOT Eligible:

• Purely cosmetic procedures (like whitening for aesthetic purposes only)
• Products available over-the-counter without prescription

Using Your FSA/HSA at Our Office

Easy Payment Process:

1. Receive treatment at East Wind Dental Care

2. Pay using your FSA/HSA debit card, or

3. Pay out-of-pocket and submit receipt to FSA/HSA for reimbursement

We Provide Documentation:

• Detailed itemized receipts
• Insurance explanations of benefits
• Treatment records if needed for reimbursement

Year-End Planning:

If you have FSA funds that will expire, consider scheduling:

• Preventive care you’ve been postponing
• Needed restorative work
• Replacement of old, worn restorations

Tax Savings Example

Let’s say you need a crown that costs $1,200:

Without FSA/HSA (paying with after-tax money):

• If you’re in the 25% tax bracket, you had to earn $1,600 pre-tax to have $1,200 after taxes
• Actual cost to you: $1,600 in gross income

With FSA/HSA (paying with pre-tax money):

• You pay $1,200 from your FSA/HSA
• That’s $1,200 you contributed pre-tax
• Actual cost to you: $1,200 in gross income
• Tax savings: $400

You save 25% (or whatever your tax bracket is) on all eligible expenses!

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No Insurance? No Problem!

At East Wind Dental Care, we’ve designed multiple solutions specifically for patients without dental insurance. You have options:

Your Options Without Insurance

Option 1: In-House Membership Plan

• Annual fee of $300-400
• Includes all preventive care
• 15-20% discount on all other procedures
• No waiting periods, no maximums, no hassles

Option 2: CareCredit Financing

• Interest-free options available
• Flexible monthly payments
• Get treatment now, pay over time
• Quick and easy approval process

Option 3: In-House Payment Plans

• Customized to your budget
• No credit check required
• No interest (in most cases)
• Simple payment agreements

Option 4: Treatment Phasing

• Break treatment into stages
• Spread costs over several months or years
• Address urgent needs first
• Budget for each phase

Option 5: Pay-As-You-Go

• Pay for services as you receive them
• Use FSA/HSA funds if available
• May receive prompt payment discount
• No financing needed

How to Choose the Best Option

For Regular Preventive Care:

Choose our In-House Membership Plan

• Best value for maintaining healthy teeth
• Includes two cleanings and exams per year
• Discounts on any needed treatment

For Major Treatment:

Choose CareCredit or In-House Payment Plans

• Makes expensive treatment affordable
• Immediate treatment without delay
• Predictable monthly payments

For Multiple Expensive Procedures:

Choose Treatment Phasing

• Break work into manageable stages
• Spread costs over time
• Address priorities first

Case Study: Sarah’s Story

Sarah, a self-employed graphic designer, doesn’t have dental insurance. She came to East Wind Dental Care with several dental problems:

Sarah’s Needs:

• Two cleanings and exams per year
• Three cavities requiring fillings
• One tooth needing a crown

Sarah’s Solution:

1. Enrolled in Membership Plan ($350/year):

– Covered her preventive care

– Provided 15% discount on restorative work

2. Without membership:

– Two exams and cleanings: $400

– Three fillings: $600

– One crown: $1,200

– Total: $2,200

3. With membership:

– Membership: $350 (includes exams and cleanings)

– Three fillings with 15% discount: $510

– Crown with 15% discount: $1,020

– Total: $1,880

– Savings: $320

Plus, Sarah used CareCredit’s 12-month interest-free financing for the restorative work, paying only $128/month.

Result: Sarah got all the care she needed, saved money, and made payments that fit her budget.

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Frequently Asked Questions About Insurance & Financing

1. Do you accept my insurance?

We accept most PPO dental insurance plans. Call us at (503) 614-0198 with your insurance information, and we’ll verify your benefits and confirm we accept your plan. Even if we’re out-of-network with your plan, you can still use your benefits at our office.

2. What if you’re out-of-network with my insurance?

You can still use your out-of-network benefits at our office. We’ll file claims for you, and your insurance will reimburse you based on their out-of-network fee schedule. The difference in out-of-pocket cost is often minimal, and many patients find the quality of care is worth any small difference.

3. Will you file my insurance claim for me?

Yes! We file claims on your behalf as a courtesy. We’ll submit all necessary documentation and follow up with your insurance company if needed. In most cases, your insurance pays us directly.

4. How do I know how much my insurance will cover?

We verify your benefits before your appointment and provide estimates for any recommended treatment. For major procedures, we can submit a pre-authorization to your insurance to get a precise breakdown of coverage before we begin treatment.

5. What if my insurance doesn’t cover enough?

We offer several options: CareCredit financing, in-house payment plans, treatment phasing to spread costs over time, or our in-house membership plan. We’ll work with you to find a solution that fits your budget.

6. Do you offer payment plans?

Yes! We offer flexible in-house payment plans for treatment costs. We’ll create a customized payment schedule that works with your budget. No credit check required.

7. What is CareCredit and how does it work?

CareCredit is a healthcare credit card that offers special financing options for medical and dental expenses. It provides interest-free promotional periods (6, 12, 18, or 24 months depending on purchase amount) and can be used for your entire family’s healthcare needs at over 250,000 providers nationwide.

8. How do I apply for CareCredit?

You can apply online at carecredit.com or at our office. The application takes about 5-10 minutes, and most applicants receive an instant decision. If approved, you can use your card immediately for treatment.

9. What if I don’t qualify for CareCredit?

We offer in-house payment plans that don’t require a credit check. We’ll work directly with you to create a payment arrangement that fits your budget and circumstances.

10. Tell me about your in-house membership plan.

Our membership plan costs $300-400/year for adults and $200-300/year for children. It includes two exams, two cleanings, necessary X-rays, and emergency exams, plus 15-20% off all other procedures. There are no deductibles, no annual maximums, no waiting periods, and no claim forms. It’s ideal for patients without insurance.

11. Can I use my FSA or HSA to pay for dental care?

Absolutely! Most dental procedures are eligible FSA/HSA expenses. You can use your FSA/HSA debit card at our office or pay out-of-pocket and submit for reimbursement. We provide all necessary documentation.

12. What if I need expensive treatment but can’t afford it all at once?

We can phase your treatment into stages, addressing the most urgent needs first and spacing remaining work over several months or years. This spreads the cost and allows you to budget for each phase. We can also time treatment to maximize insurance benefits across multiple benefit periods.

13. Do you offer discounts for cash payment?

While we don’t typically offer cash discounts, our in-house membership plan provides significant savings for uninsured patients. For members, you’re already receiving discounted fees on all procedures.

14. What happens if I can’t pay my bill?

We understand that financial circumstances can change. If you’re having difficulty making payments, please contact us immediately. We’re willing to work with patients who communicate with us to find a solution. Ignoring bills, however, can result in your account being sent to collections.

15. How can I maximize my dental insurance benefits?

Use your full preventive benefits (two cleanings and exams per year), address problems early before they become expensive, understand your annual maximum and deductible, and schedule major treatment strategically. If you need extensive work that exceeds your annual maximum, we can often split treatment across two benefit periods (December and January) to use two years of benefits. Our team will help you create a strategy to maximize your coverage.

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Start Your Journey to Affordable Dental Care Today

At East Wind Dental Care, we’re committed to making quality dental care accessible to everyone in Hillsboro, Beaverton, Aloha, Tanasbourne, and Orenco Station. Whether you have insurance or not, we have options that will work for your budget and your dental health needs.

How to Get Started

Step 1: Contact Us

Call (503) 614-0198 or schedule online to book your appointment.

Step 2: Verify Your Benefits

If you have insurance, have your insurance card handy. We’ll verify your coverage before your appointment. If you don’t have insurance, ask about our membership plan.

Step 3: Comprehensive Examination

Dr. Ostovar will thoroughly examine your oral health and discuss any treatment needs.

Step 4: Treatment Planning & Financial Options

We’ll create a comprehensive treatment plan and discuss all payment options—insurance coverage, financing, payment plans, and phasing strategies.

Step 5: Begin Treatment

Once you’re comfortable with the treatment plan and payment arrangement, we’ll schedule your appointments and begin your journey to optimal oral health.

Schedule Your Appointment Today

Call: (503) 614-0198

Visit: 7546 NE Shaleen St, Hillsboro, OR 97124 Serving: Hillsboro, Beaverton, Aloha, Tanasbourne, Orenco Station

Ready to verify your insurance benefits? Have your insurance card ready and call us. Our team will:

• Verify your coverage
• Check your remaining annual maximum
• Explain your out-of-pocket costs
• Answer all your insurance questions

Don’t have insurance? No problem! Ask about:

• Our affordable in-house membership plan
• CareCredit financing options
• Flexible payment arrangements
• Treatment phasing strategies

Our Promise to You

At East Wind Dental Care, we promise:

• Transparent pricing with no hidden fees
• Respectful, judgment-free financial discussions
• Multiple payment options to fit every budget
• Maximum effort to help you use your insurance benefits
• Quality care regardless of your payment method
• Flexible scheduling and treatment phasing when needed

Don’t let cost concerns prevent you from getting the dental care you deserve. Call us today at (503) 614-0198, and let’s find a solution that works for you.

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East Wind Dental Care—Making Quality Dental Care Affordable & Accessible for Everyone