Payment & Dental Insurance

Chapel Hill Family & Cosmetic Dentistry offers a range of convenient payment options:

  • Cash, check and all major credit cards
  • Interest-free financing through Care Credit
  • Phased treatment plans
  • Health Savings Account of Flex Spending Account
  • Complimentary filing of dental insurance benefits

Interest Free Financing

Chapel Hill Dentist Offers Interest Free FinancingDr. Furgurson offers interest free financing options for cosmetic and restorative dental treatments through Care Credit. The application process is easy and most patients will qualify for interest free financing for up to 12 months. Please let us know if you would like more information.

Dental Insurance

Many of our patients have dental insurance and we are familiar with nearly all carriers. We do not participate in any managed care networks, however, we can still provide you with dental care, handle your insurance paperwork and help you maximize your dental insurance benefits.

Dental Insurance FAQs

If you aren’t a network provider for my insurance plan, can I still see you as my dentist?
Yes. Dr. Furgurson’s commitment to patients is to provide the highest quality dental care and customer service. We work with insurance companies as a non-participating or out-of-network provider.

Will I be able to use my dental insurance benefit if I come to your office?
Yes. As an out-of-network provider, we still handle all of your insurance paperwork. We typically file a claim with your dental insurance carrier on the same day you are seen by our office. We ask that you pay your estimated out of pocket cost at the time of your appointment. Reimbursement is typically received within 10 days to 3 weeks.

Does this mean that your office is more expensive than someone “in network”?
Dentists who participate in dental insurance networks agree to accept a lower fee for their services in order to be a “participating provider”. We find this forces dentists to see a higher volume of patients and consequently spend less time with their patients.

To us, quality and care are two of the most important pillars of our practice. Dr. Furgurson feels strongly about being able to spend time with his patients. We also feel it is important to hire well qualified professionals, use the best materials and work with the top U.S. dental laboratories.

What is a “usual and customary” rate?
A usual and customary rate, sometimes called a reasonable rate, is an elusive term used by insurance companies to define the average or median cost of services. The problem is that each insurance company has their own method for determining these rates and they rarely represent a true “average” market cost for goods and services. There are many things that go into the cost of medical and dental services that are often not factored into an insurance company’s “UCR” formula such as:

  • Dentist’s level of training and experience
    Dr. Furgurson is a graduate of UNC Chapel Hill School of Dentistry. He has continued his education beyond UNC, taking numerous hours of post-graduate training. In addition, he is a member of several dental organizations including:

    • Fellow in the Academy of General Dentistry
    • Fellow of the International Congress of Oral Implantologists
    • Member of the American Academy of Cosmetic Dentistry
    • Member of the American Academy of Dental Sleep Medicine.
  • Office amenities and patient comfort
    Our office is designed to make you feel welcome and relaxed. We take pride having a dental office that is beautiful, well designed and outfitted with the latest technology and equipment.
  • Dental office technology
    The technology we use in our office helps us to provide more precise, convenient and comfortable care. It also helps us communicate better with patients.

If you have any specific questions about your dental insurance policy, please call our office at (919) 213-9767 .