Financial Information
Flexible Financing Options for Every Procedure
We offer 100% financing on all procedures through trusted third-party partners, so you can get the care you need now and pay over time.
Direct Pay & Insurance Claim Guide
Thank you for choosing our practice for your oral and maxillofacial care. Our goal is to ensure you fully understand how our Direct Pay Provider model works and how you can submit a claim to your insurance company for potential reimbursement.
What is a Direct Pay Provider?
A Direct Pay Provider works directly with patients, without contracting with insurance networks. Patients pay at the time of service (or through structured payment plans), and if desired, they may self-submit claims to their insurance company for possible reimbursement.
This model allows us to keep the doctor–patient relationship and your treatment needs the top priority.
Important Insurance Update
Effective June 1, 2025, our practice will no longer participate in any insurance networks.
If your insurance company indicates that Dr. Kline is in-network, this information is outdated.
We will not submit insurance claims on your behalf.
As a courtesy, we provide downloadable insurance self-filing documents on our website. (link)
Most insurance companies now offer fast and easy online claim submission portals.
Why We Choose to Remain a Direct Pay Provider
Unrestricted Care: We make treatment decisions based on what is best for you, rather than what is dictated by what insurance companies cover.
Transparent Pricing: You will always know the cost of your treatment upfront, without hidden fees or unexpected denials.
Patient-Focused Experience: Without insurance-related limitations, it allows for you and your doctor to determine your best treatment, money aside
Greater Access to Specialty Care: Patients are not restricted to "in-network only" providers and can choose the best surgeon or specialist for their needs.
Filing a Claim with Your Insurance
1. Day of Surgery/Procedure
Dr. Kline will determine the exact treatment that will be performed.
Once completed, we can provide you with an itemized statement at check-out.
2. Obtain Claim Forms
Visit your insurance company’s website and search for 'self-filing claim forms.'
If you cannot locate the forms online, call your insurance company for instructions.
3. Doctor’s Signature (if required)
If your form requires Dr. Kline’s signature, email the completed form to: insurance@cworalfacialsurgery.com
We will sign and return it to you via email.
Payment Policy
Full payment is required at check-in for all consultations and procedures.
After your procedure, you will get an itemized statement to use when filing your claim.
Flexible Financing Options
We understand that healthcare expenses can be significant. To support our patients, we provide affordable financing options with monthly payments that fit your budget.
Sunbit – Everyday Financing Made Easy
0% interest for a minimum of 3 months on approved plans
Quick, soft-check application (won’t impact your credit score)
Designed to make treatment more affordable and predictable
CareCredit – Extended 0% Financing
0% interest financing for up to 24 months on approved purchases
Use CareCredit for a wide range of healthcare procedures
Simple application and fast decisions
Request a Personalized Quote
Want to know the estimated cost of your procedure or what your financing payments may look like?
Complete our quick request form, and a member of our team will reach out shortly.
We’re Here for You
Whether you’re planning a routine procedure or a more advanced treatment, our team is here to support you every step of the way.
Please visit our Insurance Filing Resource tab for downloadable self-submission documents and required information.
For questions about direct pay or insurance claims:
📧 insurance@cworalfacialsurgery.com