(410) 939-5800
Affordable Dental Care Starts with Flexible Payment Options
At Family Implant & Reconstructive Dentistry, Dr. Grubb and our team are committed to making quality dentistry accessible with flexible insurance and financing options designed to fit a variety of budgets. We believe financial concerns shouldn’t stand between you and a healthy, confident smile.
Patients throughout Bel Air, Aberdeen, and Perryville trust our practice for honest guidance, transparent treatment planning, and personalized support when navigating dental insurance and payment options. If you have questions about your coverage or financing opportunities, call our Havre de Grace dentist at (410) 939-5800.
A Local Practice You Can Trust With Your Care — and Your Budget
Dr. Grubb has been practicing dentistry in Havre de Grace for over 35 years, after training at the University of Maryland’s Baltimore College of Dental Surgery and completing an advanced residency at Sinai Hospital focused on surgery and anesthesia. That kind of long-term presence in the community means something when it comes to your insurance and financing questions, too.
Our dental office is conveniently located at 203 S. Washington Street, Havre de Grace, MD 21078, with free street parking available directly in front of the building. Whether you’re coming from Bel Air, Aberdeen, Perryville, or right here in Havre de Grace, our team is ready to walk you through your coverage and payment options before you ever sit in the chair.
Making the Most of Your Dental Insurance
Dental insurance can feel confusing, with all the fine print about deductibles, annual limits, and coverage rules. Dr. Grubb and our office team take the confusion out of the process by working directly with your insurance plan to make sure you get every dollar of coverage you deserve.
How We Help You Save Money
- Clear Upfront Costs: Before we start any major work, we send a quick request to your insurance company. This gives us a clear estimate of what they will pay and what your portion will be, so there are zero surprises at checkout.
- We Do the Paperwork: Filing claims takes time and effort. We handle all the forms, mailings, and clinical notes for you so your claims get approved faster.
- Double-Checking Your Plan: Before your appointment, we verify your active insurance details so you know exactly where you stand with your yearly limit.
Simple Payment Plans That Fit Your Budget
Dental work is an investment in your health and everyday comfort. Whether you need a simple filling or full dental implants, Dr. Grubb provides flexible ways to break your total cost into easy monthly payments.
Monthly Financing Made Easy
If your insurance does not cover the full cost of your treatment, or if you don’t have insurance, we partner with reliable payment programs:
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- CareCredit®: Works just like a credit card for healthcare. Short-term plans up to 24 months are interest-free, and long-term plans up to 60 months are at low interest rates
- Cherry Financing: Qualified applicants can choose from a variety of payment plans, including promotional financing options, making it easier to budget for preventive, restorative, cosmetic, and implant dentistry.
Ways You Can Pay
Our Havre de Grace, MD office accepts several payment methods for your convenience:
- Major Credit Cards (Visa, MasterCard, Discover, American Express)
- Debit Cards and Cash
- Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
Using funds from an HSA or FSA is a smart way to pay for treatments like crowns or implants because you are using tax-free dollars, saving you money automatically.
Welcoming Patients Across Our Local Community
Our practice is proud to be part of Havre de Grace, MD, located right near the scenic Susquehanna River. Because of our focus on quality implants and personal care, patients travel to see Dr. Grubb from all over Harford and Cecil counties.
We regularly welcome patients from nearby areas, including:
- Aberdeen, MD: Just a short drive up Route 40, patients from Aberdeen visit us for everything from regular cleanings to complete smile fix-ups.
- Perryville, MD: Right across the bridge in Cecil County, Perryville residents love how close and convenient our office is for their families.
- Bel Air, MD: Families from Bel Air trust Dr. Grubb for major dental implant care and easy monthly payment options that fit their budget.
Wherever you live in the surrounding area, our team is ready to make your dental visits comfortable, simple, and affordable.
Frequently Asked Questions
What should I bring to my first visit for insurance?
Can I use my HSA or FSA money for dental implants?
What if I don't have dental insurance?
What happens if I have two dental insurance plans?
What should I bring to my first visit for insurance?
Please bring your dental insurance card and a photo ID. If your insurance is through your job, having the main account holder’s name and birthday ready helps Dr. Grubb’s team check your benefits right away.
Can I use my HSA or FSA money for dental implants?
Yes! Dental implants, crowns, and diagnostic X-rays all count as valid medical expenses under standard tax rules. Paying with your HSA or FSA lets you use tax-free money, which lowers your total cost.
What if I don't have dental insurance?
You can still get the care you need! Dr. Grubb offers low monthly financing plans through our trusted partners, allowing you to split the cost of your treatment into smaller payments that fit your normal monthly spending.
What happens if I have two dental insurance plans?
If you have coverage under two plans, our front office files with your primary plan first. Once they pay their part, we send the rest to your second plan to make sure you get the absolute most out of your coverage.
Invest in Your Smile with Confidence
Every healthy smile begins with access to quality dental care. At Family Implant & Reconstructive Dentistry, Dr. Grubb and our compassionate team are committed to helping patients overcome financial barriers so they can receive the care they deserve.
If you’re looking for affordable dental care in Havre de Grace, we proudly welcome patients from Bel Air, Aberdeen, and Perryville. Call our Havre de Grace dental office at (410) 939-5800 today to learn more about our insurance and financing options and take the next step toward a healthier, more confident smile.
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