Financial Policy   


Drs. Lustman and Cohen and the Caring Dental team are excited to have you as a patient at our office. We are focused on making your experience a pleasant one, but please understand that payment of your bill is part of your treatment.


We accept all traditional insurance plans. Your insurance policy is a contract between you and your carrier, but as a courtesy, we will submit your dental claims. That being said, insurance coverage does not guarantee coverage. If the insurance pays less than the estimated amount, the patient is responsible for the remaining balance.

Payment Options

We have several payment options: cash, check, Visa, Mastercard, Discover, and CareCredit. Also, patients can opt to use their employee flex spending accounts.

Bad Debt

If financial arrangements have not been made and the account is not paid within a reasonable amount of time, Drs. Lustman and Cohen reserve the right to refer the account to a collection agency to retrieve the remainder of the balance.

Appointment Cancellations

The appointment time that we set aside for our patients is very valuable. We make every effort to honor time commitments and ask you to extend the same courtesy to us. Unless an appointment is cancelled within 24 hours advanced notice, our policy is to charge for a missed appointment at the rate of $58.00 to $109.00. Please help us to avoid this by honoring your scheduled appointments.