Office Policy & Financing


Office Policy

Our office policy is that payment is due as services are rendered. We also ask that 24-hour notice be given for any appointment that you need to break. We promise to do our best to run on time. Our time is important and so is yours!  We do charge for broken appointments, when 24-hour notice is not given.

Our office offers a variety of payment options:


Credit Card

We accept Visa, MasterCard, and Discover.


Patients With Dental Insurance 

We welcome dental insurance. Please have your current insurance information with you each time you visit our office. Be informed, know what coverage your plan provides, your annual deductibles, benefits and limitations. We will be happy to file your insurance as a courtesy. It is most helpful when our patients go online and request a benefit rundown to bring to their appointment that can be kept with their records for reference.

Patients With NO Dental Insurance

Ask us about our Healthy Smile Plan for individuals and families.


Flexible Monthly Payment Option

With our convenient payment plan administered by CareCredit, you can have confidence in your smile today. CareCredit, the nation's leading patient payment program enables you to finance 100% of your dental care with NO money down, NO interest and NO prepayment penalties. You can begin your treatment TODAY!

CareCredit can be used by the entire family for ongoing treatment without having to reapply. CareCredit offers a wide range of plan options and it only takes a few minutes to apply. To learn more about CareCredit, call 1-800-839-9078, or visit their website at



35 years ago there was little if any dental insurance. In 1972 our practices were slammed with patients seeking care and many practice schedules were booked out solidly for two months ahead. When employers began offering dental benefits, dentists were delighted because they knew that even more people would be seeking care. We and our patients welcomed third-party participation with open arms.

Who knew that this love affair would become tumultuous? We in dentistry could not believe our new "lover" would turn on us and start dictating how we would run our practices, Even to the point of making it difficult to stay solvent. Like a spouse staying in an abusive marriage, we have silently allowed insurance companies to control us.

Enter PPO/HMO insurance giants. Our "lover" morphed into something we did not recognize and forced us to accept lower fees if we wanted to stay in the marriage. Many dentists have decided to stay with insurers out of fear of losing patients and their practices.

Plan participation has the risk of making the dentist feel they should compromise treatment, because of those limitations. My conscience will not allow me to make those compromises. I refuse to deliver anything but the highest quality care and that is what you will receive when you come into my practice.

You can help to keep our cost down by:
1. Having your current insurance information with you each time you visit our office. (It takes valuable time for us to call your spouse/parent to get the needed information)
2. Know what coverage your plan provides, your annual deductibles, benefits and limitations. (We will file your insurance as a courtesy, but you are ultimately responsible for the debt incurred)
3. Go online and request a benefit rundown to bring to your appointment that we can keep in your record as a reference.

Anthem BCBS
Delta Dental
Dental Care Plus
Lincoln Financial Group
United Concordia
Family Dentistry with a Gentle Touch
3516 Frankfort Avenue
Louisville, KY 40207
Phone: 502-205-1289
Office Hours

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