Thank you for choosing Dr. Thayne Gardner and Little People’s Dental. We are committed to your child’s treatment being successful and pleasant. It is our policy to make definite financial arrangements with you before any treatment starts. The following is an explanation of our payment procedures and office insurance policies. All patients must complete our Information and Insurance forms before seeing the doctor. If you have any questions, please do not hesitate to ask.


1. Payment for services is due at the time services are rendered. We accept cash, checks, Care Credit, Visa, MasterCard, Discover, and American Express. Patients will be required to pay in full for their visit unless we have verified your dental benefits and coverage prior to your appointment. PLEASE INFORM OUR OFFICE 48 HOURS PRIOR TO APPOINTMENT OF ANY CHANGES!

2. If insurance benefits are assigned to the doctor you will be responsible for paying your deductible, co-payments, and co-insurance at the time of service. You are responsible for paying all charges not covered by your insurance company. Your insurance benefits are a contract between you and your employer. The amount of coverage you receive will depend on the type of the plan purchased by your employer, not the fees of Little People’s Dental.

3. Our office will accept assignment for only the primary and secondary insurance coverage, all additional insurance coverage must be filed by the subscriber. In cases where there is a primary and secondary insurance, we will follow the insurance company’s determination as to who is the primary and who is the secondary. We expect you to know these conditions before your visit. If the insurance company notifies us that we were given and billed the incorrect information the claims will be closed and you will be responsible for the balance on the account while you contact the insurance to resolve the coordination of benefits.

4. There will be a $35 service charge for all returned checks.

5. If a claim is not paid by your insurance carrier(s) within ninety days, you will be responsible for the full balance and further insurance appeal becomes your responsibility. We will be happy to provide you with a claim form so that you can follow up on your insurance claims personally.

6. A $20.00 monthly re-billing charge will be added to your account per child if it is not paid within 90 days, regardless of balance amount.

7. After 120 days, we will inform you of the delinquent account by letter and if no action is taken to clear the account any balances left unpaid will be sent to collections that are past due. The responsible party agrees to pay all related collection fees.

8. The parent or guardian who brings the child for their initial visit is responsible for payment independent of what a divorce decree may state. Reimbursement must be made between the divorced parents. We will not intervene.

9. Parents who bring multiple children to the appointment may be asked to wait in the waiting area with younger children until the child being treated is finished.

Please help us serve you better by keeping scheduled appointments. Appointments cancelled without 48 hours notice will be charged a no show or reschedule fee of $50.00.


To get the best possible benefit from your insurance, please bring the proper referrals, cards, and forms with you to your first visit.

Dental insurance is an area that creates confusion for many dental patients. The complexities of dental insurance and the lack of sufficient information provided by some insurance companies make it difficult for some patients to properly understand their benefits. At Little People’s Dental we will do everything possible to help you understand and make the most of your dental insurance benefits.

What Is Dental Insurance?

Dental insurance is a contract between your employer and a dental insurance company. The benefits that you will receive are based on the terms of the contract that were negotiated between your employer and the dental insurance company and not your dental office. Most dental insurance policies provide basic care for specific dental needs. The services selected are based on the cost of the policy to your employer and the negotiated arrangements with the dental insurance company.

Because the benefits you currently have are decided between your employer and the insurance company, many services are not covered. The selection of non-covered services is not based on what you need or want, but is based strictly on the contract with the insurance company–This is one reason why so many dental patients become confused about dental insurance. Dental insurance companies rarely cover 100 percent of any dental fee and, in many cases, cover less than 50 percent or nothing at all for many services.

Covered and Non-Covered Services

Unfortunately, some of the services that you may need or want will not be covered by your dental insurer. Our goal is to help you achieve and maintain optimal dental care. We do not want to compromise your care based on restraints placed by an insurance company.

Another fact that most dental patients do not realize is that each dental insurance plan has a dollar amount limitation each year. Once this limit is reached, no other services will be covered by your dental insurance company regardless of how essential the service may be to your dental health.

How Our Office Helps

Our office will do everything possible to help you understand and make the most of your dental insurance benefits.

We are happy, as a no-cost service, to complete and submit dental insurance forms to the company to achieve the maximum reimbursement to which you are entitled and will work diligently to make this happen as quickly as possible.

Please be aware that some dental insurance companies take longer than others to complete payment. If necessary, our office will contact the dental insurance company, or we may request your help in this matter.

Pre-Determination Policies

In most cases, we can begin treatment prior to receiving an authorization from the dental insurance company. However, patients need to understand that in the event the dental insurance company refuses to pay for treatment, you are responsible for all fees. We always try to provide you with the fees in advance so that you know the cost of treatment.

Our Philosophy

Our office remains dedicated to providing optimal care for every patient. We pride ourselves on providing the quality of care to which you have become accustomed. We will base our recommendations for the care of your child on what is best for your child, not on what is covered by an insurance company.