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Financial Policies

Below are some of our most frequently asked questions about sleep apnea dentistry and the financial aspect of treatment. Please click on the questions below to view our responses. 

Yes. Most medical insurance companies cover oral appliance therapy for treatment of obstructive sleep apnea. In our office it is our experience that over 90% of the patients will have coverage for this treatment. However, these companies do not cover treatment for snoring only.
No, most insurance companies do not have in-network providers (dentists) for this treatment.
Yes. If there is no in-network provider within the insurance plan then the insurance company is required to pay the claims at in-network rates and you should get your maximum coverage for the treatment. If there is an in-network provider, you can still see us, and you would receive out-of-network benefits.
Yes. This office is a provider for Blue Cross Blue Shield Health Plan, Aetna and Harvard Pilgrim Health Plan.
Yes. We offer interest-free financing for up to 6 months on all office visits and treatment. This usually allows enough time to receive your insurance reimbursement so you can get your maximum insurance benefit while reducing your out-of-pocket expense.
If our office is not a provider in your insurance network, then we do not have access to information about your insurance coverage rates, co-payments, and deductibles. However, we will submit the insurance claim for you and provide the necessary documentation to help you receive your maximum insurance benefits, and we find that over 90% of our patients have coverage for their treatment. It is our practice to require payment at the time of service, and you will be reimbursed by your insurance company according to your policy.
Our office will send a letter to your insurance company asking for a pre-treatment determination of benefits under your policy. The insurance company will respond by sending a letter back to you, with a copy to us, explaining your coverage for this treatment. If the letter does not specify what percentage of the cost is covered, we recommend that you call your insurance company to get that information. Some of the questions you should ask your insurance representative are:
  • What is my percentage of coverage for oral appliance therapy for treatment of obstructive sleep apnea (code # E0486)? 
  • What is the fee range of coverage? 
  • Are there any in-network providers for this specific treatment in my insurance plan?  
  • If there are no providers within the network will my coverage be at an in-network percentage?  
  • If there are providers within the network, what is my coverage if I see an out-of-network provider?  
  • Do I need a referral from a physician to see the dentist who treats this problem?
Our goal is to help you achieve quiet, restful sleep in order to improve your overall health and the quality of your life. Dr. David B. Rosen will listen carefully to your concerns, thoroughly evaluate your situation, and educate you about your problem and the possible solutions. Your care will be provided in a kind, caring environment. The treatment will be customized to your needs and provide you with the most effective oral appliance therapy available to resolve your snoring and sleep apnea problem.

Call our office today at (339) 970-0155 to schedule your appointment or request an appointment online by clicking here!


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