Patients choose fee-for-service dental care because it gives them control over their treatment decisions without insurance companies limiting their options. This model allows dentists to prioritize high-quality materials, take the time needed with each patient, and deliver care focused on long-term results rather than on what an insurance plan covers.
At Viera Dental Arts, Dr. Gollob operates as a fee-for-service practice, which means decisions about your dental health stay between you and your dentist. You can still use your out-of-network benefits if you have dental insurance, but your treatment plan won’t be dictated by coverage limitations. Our administrative team processes insurance claims and provides benefit estimates, giving you full transparency about costs while maintaining the freedom to choose the best treatment for your needs.
Understanding Fee-for-Service vs. In-Network Insurance
Fee-for-service practices don’t contract with insurance companies to provide reduced-fee dental work. This fundamental difference affects every aspect of your care. In-network dentists agree to insurance company fee schedules, which often limit the time they can spend with patients and restrict the materials they can use.
Out-of-network practices set their own fees based on the actual cost of providing high-quality care. You pay for treatment and then submit claims to your insurance company for reimbursement according to your out-of-network benefits. Most dental plans cover a percentage of out-of-network care, though usually at a slightly lower rate than in-network services.
How Your Insurance Still Works
Many patients assume they can’t use their dental insurance at fee-for-service practices. This isn’t true. Your plan likely includes out-of-network benefits that reimburse you for a portion of treatment costs. The practice staff can verify your benefits and provide estimates before treatment begins.
The key difference is timing. Instead of the insurance company paying the dentist directly at reduced rates, you pay the practice and receive reimbursement from your insurance company. This process gives you more control but requires some financial flexibility.
Quality Advantages of Fee-for-Service Care
The most significant benefit of fee-for-service dentistry is the quality of materials and techniques used in your treatment. Practices like Viera Dental Arts partner with trusted US-based dental laboratories that use premium materials designed to last. These materials cost more than economy options, but they deliver better results and longer-lasting restorations.
Consider dental crowns as an example. The American Dental Association notes that quality crowns strengthen damaged teeth and protect them from further harm. A crown made from high-quality porcelain and crafted by a skilled laboratory technician fits better, looks more natural, and withstands years of use. Lower-quality crowns may crack, discolor, or fail prematurely, requiring replacement and additional costs.
The same principle applies to other procedures. Dental implants succeed when placed with precision and restored with quality components. Veneers maintain their appearance when made from superior materials. Doing treatment right the first time, with materials built to last, saves money and frustration in the long run.
Time and Attention During Appointments
Fee-for-service practices can schedule appointments based on what each patient needs rather than what insurance companies allow. This flexibility allows your dentist to take the time needed to thoroughly examine your teeth, discuss treatment options, and perform procedures without rushing.
Insurance-driven practices often operate on tight schedules dictated by reimbursement rates. Dentists see more patients per day to offset lower fees, which can mean less time per patient. At Viera Dental Arts, Dr. Gollob’s comprehensive approach includes listening to your concerns and developing personalized treatment plans. This prevention-focused philosophy aligns with giving each patient adequate time and attention.
Making Fee-for-Service Care Affordable
The higher upfront costs at fee-for-service practices concern many patients. However, several financing options make quality dental care accessible. CareCredit and Cherry both offer interest-free financing for up to 12 months, allowing you to complete treatment and pay over time without additional costs. Proceed Finance provides longer-term payment plans for more extensive procedures.
These financing options, combined with insurance reimbursement, often make the actual out-of-pocket cost comparable to in-network care, especially when you factor in the longevity of quality work. A restoration that lasts 15 years costs less over time than one requiring replacement every few years.
The True Cost of Doing It Right
Patients who’ve experienced failed dental work understand the value of quality. A crown or bridge restoration that fails after two years costs more to replace than a well-made crown that lasts decades. Factor in the time away from work, additional appointments, and the discomfort of redoing procedures, and the economics become clear.
Fee-for-service practices invest in state-of-the-art technology, skilled staff, and safe environments because they’re not restricted by insurance company limitations. This investment directly benefits you by delivering better outcomes and a more pleasant experience.
Choose Quality Dental Care at Viera Dental Arts
Dr. Gollob and the team at Viera Dental Arts serve the Viera, Suntree, and greater Brevard County area with a commitment to comprehensive, prevention-based care. Our fee-for-service model ensures we never compromise on quality materials, treatment techniques, or the time we spend with you. We provide personalized care plans designed to deliver lasting comfort, function, and beauty, helping you reach your oral health goals with confidence.
Ready to experience dental care focused on your needs rather than insurance limitations? Contact our office to schedule your appointment and discover the difference that quality-driven dentistry makes.