Insurance, Financing, and Membership at Mount Royal Dental
You should know what your care costs ahead of saying yes to it. Every estimate here is in writing, and there are three ways to pay for it.
Mount Royal Dental in Duluth files your insurance claims, offers a Membership Program for families without insurance, and partners with CareCredit for interest-free payment plans.
Key highlights
- We're out of network with most plans. You can still use your benefits here, and we file the claim.
- The Membership Program covers cleanings, exams, and x-rays for one yearly fee and discounts other treatment.
- CareCredit offers interest-free plans for larger treatment when paid within the promotional period.
- Every treatment plan comes with a written estimate of your share.
- Payment is due at the time of service unless you've set up a plan.
- Questions about a bill? Call the office and ask for the front desk.
Three ways to pay
| Dental insurance | Membership Program | CareCredit | |
|---|---|---|---|
| Best for | Anyone with a PPO plan | Families and individuals without insurance | Larger treatment: Invisalign, implants, crowns, cosmetic work |
| How it works | We file the claim; your plan pays its share | One yearly fee covers preventive care; discounts on other treatment | Apply online, pay monthly, interest-free within the promotional period |
| What you pay at the visit | Your estimated share | Nothing for covered preventive visits | Nothing; CareCredit pays us, you pay CareCredit |
| Can combine with | CareCredit | CareCredit | Insurance or Membership |
How insurance works here
Mount Royal Dental is out of network with most dental plans. Out of network doesn't mean you can't use your insurance. It means your plan pays based on its own fee schedule instead of a contracted rate, and the difference is your share.
What we do for you:
- Check your benefits when you book
- Give you a written estimate of your share ahead of treatment
- File the claim on your behalf
- Follow up with your plan if a claim is delayed or denied
Most PPO plans pay a good portion of preventive care and a percentage of fillings, crowns, and other treatment out of network. HMO and DHMO plans usually don't pay out of network at all; if you have one, call and we'll tell you what to expect.
Bring your card to your first visit, or send us a photo of it when you book.
The Membership Program
The Membership Program is for patients without dental insurance. One yearly fee covers your preventive care, and everything else is discounted.
No deductibles, no waiting periods, no annual maximum, and no claim forms. Join at any visit or by phone.
CareCredit payment plans
CareCredit is a healthcare credit card accepted here. For treatment over a minimum amount, it offers promotional financing with no interest if you pay the balance within the promotional period. Interest is charged from the purchase date if the balance isn't paid in full within that period. Longer plans with a fixed rate are available for larger treatment.
Apply online in a few minutes and know your decision the same day. Bring your approval to your visit, or apply from our office with help from the front desk.
What affects the cost of treatment
We don't publish a price list, because the same treatment name covers very different amounts of work. What changes the number:
- How many teeth are involved
- Whether a tooth needs a buildup, root canal, or gum treatment first
- Materials: a lab-made ceramic crown from our ceramist costs more than a same-day crown, and both cost more than a filling
- Sedation, if you choose it
- For Invisalign, how far the teeth need to move and how long treatment runs
You get the number for your mouth, in writing, after the exam.
Getting an estimate
Every treatment plan at Mount Royal Dental comes as a written estimate that lists each procedure, the full fee, what we expect your insurance to pay, and your share. For treatment that runs over several visits, we show you the cost per visit. If the plan changes during treatment, you hear about it first.
Financing FAQ
Do you take my insurance?
We're out of network with most dental plans. You can still use your benefits here, and we file the claim for you and give you a written estimate of your share.
What does out of network mean for me?
Out of network means your plan pays based on its own fee schedule instead of a contracted rate, and you pay the difference. For most PPO plans, preventive care is still well covered.
Is there a plan for people without insurance?
The Membership Program covers preventive care for one yearly fee and discounts other treatment. Join at any visit or by phone.
Do you offer payment plans?
CareCredit offers interest-free payment plans when the balance is paid within the promotional period, and longer fixed-rate plans for larger treatment.
Can I get a cost ahead of treatment?
Every treatment plan comes with a written estimate first.
What payment methods do you accept?
We accept cash, check, all major credit and debit cards, HSA and FSA cards, and CareCredit.
Insurance, financing, and what a visit costs
Mount Royal Dental is out of network for most dental insurance plans and files claims on your behalf. Patients without insurance can join the Membership Program, CareCredit covers larger treatment plans, and the front desk walks every new patient through the options.
Questions about cost on Woodland Avenue
Mount Royal Dental sits at 1624 Woodland Avenue, Duluth, MN 55803, at the corner of Woodland and St. Marie, next to the Mount Royal Shopping Center near UMD.
Monday 8 to 3, Tuesday through Thursday 8 to 4:30, Friday closed. Call (218) 464-5222.
