You’ll Find Many Payment Options in St. Louis Park

At Ruby Dental, we want to make it easy for you to receive quality, affordable dental care. Whether or not you have insurance, you’ll find many payment options. We accept:

  • Cash, checks, and all major credit cards.
  • Insurance plans including Careington, Aetna, MetLife, United HealthCare, Delta Dental, Guardian, and GEHA. Call our office to find out if we accept yours.
  • Medicare.

If you don’t have insurance, you can also join our in-house membership plan to get coverage on preventive care and other benefits. Call 952-800-5225 if you have questions or if you’re ready to make an appointment. You can also ​​schedule online.

Important Insurance Considerations

Please keep in mind the following about how insurance companies operate:

  • Insurance companies survey your geographical area, considering the prices for treatments in your area, and create an average based on said prices. They then use 90% of that number as their standard “usual and customary” fee for dental procedures. Because this is an average, some dental offices might offer treatment below that price and others above it.
  • Generally, dental insurance is not intended to cover the price of your entire treatment. Instead, coverage is meant to help patients with the costs and only cover a portion of the treatment.
  • Some insurance plans do not cover many routine dental services. Please review your plan before visiting to ensure that your treatment is covered.
  • Although your plan might state that it covers up to 80% or 100%, it might not specify that the plan has a fee schedule allowance, annual maximum, or similar restrictions. In some cases, plans with this verbiage actually cover 35-65% of services, depending on the plan’s maximum allowance.
  • If you are insured through your employer, the coverage is determined by which plan they choose. Generally, the less the plan costs your employer, the fewer benefits you’ll receive.