Richard F. Koup, D.M.D. & Associates, LLC - Family Dentistry

Financial Policy

Welcome to our office! We are pleased to have you as a patient in our practice, and we are committed to providing you with the very best care. Toward this goal, we hope you would not postpone or suspend dental work due to costs; please know that we are happy to work with you in arranging a financial payment plan.


First, as the subscriber, it is important that you know the details of your plan. Simply contact your insurance company to get this information.

We will be happy to help you obtain the appropriate benefit from your insurance carrier. However, we are an out-of-network provider. Depending on your insurance carrier, there is one of two ways we will work with your carrier:

  • If your carrier is Delta, United Concordia, or Blue Cross/Blue Shield, you are responsible for payment of services to our office at the time of treatment. We will be happy to submit your insurance claim, and reimbursement will be mailed directly to you, as the subscriber.
  • If your insurance carrier is Aetna, Met Life, Guardian, Cigna Dental, United Healthcare (to name a few), we will be happy to submit your insurance claim at date of service. Insurance payment will be made to our office and, upon receipt, we will bill you for any difference between our fee(s) and what we receive from the insurance company.

We will be happy to help you process your insurance claim form for your reimbursement. Since we do not participate with any insurance plans, our financial contract is with you, our patient. It is important to understand that dental insurance is designed to reduce cost, not to eliminate it entirely.

We must emphasize that as dental care providers, our relationship is with you, not your insurance company. While the filing of insurance claims is a courtesy that we extend to our patients, all charges are your responsibility from the date that services are rendered.


Patients without insurance coverage are requested to pay for services as rendered. For those age 65 years and older, we are happy to provide a 10% senior courtesy.