Comfortable
Financing & Insurance Policies

Together, you and Dr. Matarazzo will identify your goals and determine what procedures are going to help you to achieve them. A team member will meet with you privately to make financial arrangements custom-fit to you.

Financial planning for what can be a substantial purchase is important and we would like you to be well-informed about the cost and payment options that are available to you. That is why we have come up with some helpful information to assist in deciding which form of payment will work best for you and your individual needs.

Whether you have been saving for a while, plan on using a low-interest credit card or just need some direction in choosing the finance company that will fit your situation, we are here to help.

We accept several forms of payment for our services:

• Cash
• Check
• Credit Card (VISA, Master Card, American Express, DISCOVER)
• Debit Card

If any of the above forms of payment are not options for you at this time, we also offer financing through outside companies. These companies specialize in financing dental procedures and each follow their own specific guidelines. Below are links to these companies. You may fill out their applications on line.

• carecredit.com
• unicornfinancial.com

Dental Insurance

Dental Insurance is great to have to assist you when paying for needed dental procedures. We will even help by filing claims for you.

Here are some thoughts about dental insurance that we would like you to think about:

Your Insurance Company...

• Doesn't care how healthy or diseased your mouth is.
• Wants to try to keep as much as they can of the premiums you and your employer pay.
• Should not influence your decision when making a dental treatment plan.

Dr. Matarazzo...

• Works for you, not your insurance company.
• Develops your plan based on your goals and your existing dental health not on your insurance coverage.
• Will work with you to have your treatment completed at a pace that you can afford.
• Will adjust the pace, but will not adjust the quality of treatment due to your insurance limitations.

How Uncle Sam Can Help Pay for Your New Smile

We know that fine dentistry requires a financial investment, and we want you to benefit at the highest level possible. Here is an example for you to consider - Let's say that there is an adjusted gross income (AGI) of $65,000 and a 25% tax bracket. In this situation, any dental treatment beyond 7.5% of AGI ($4875) is fully tax deductible.

If your implant or cosmetic dentistry fee is $50,000 then $45,125 is fully tax deductible. By taking this deduction on your tax return you receive a tax refund of roughly $11,281.

A home equity loan for the full amount of treatment ($50,000) would have a payment of roughly $430 per month (assuming a 6.15%) rate for 15 years). The interest on this loan would be fully tax deductible over the loan's life. We can recommend a mortgage lender as well.

If the tax refund was applied immediately to the loan and the loan was refinanced, the new payment would be approximately $329 with the interest portion of the loan being again tax deductible over its life.

By making the choice for fine dentistry today, not only do you get it done locking in your cost in today's dollars (the average cost for complex dental care increases 5-7% yearly!), but the IRS benefit to you is significant from a tax standpoint. The IRS will literally give you $11,281 back on your taxes to benefit your health!

We can even recommend a tax advisor to help with this option. Please let us know what we can do to help you to receive the greatest number of benefits.