Financial Policy

New Patients… Since we may not have a financial relationship with you yet during your first visit, we will require payments be made in cash, check, or a credit card unless your dental insurance covers 100%. We require this for all first visits. If there is a concern, please call our financial coordinator at (505) 884-1989.

For patients with dental insurance and for preventative care treatment such as dental prophylactic care (cleanings), exams and X-rays can be submitted to the dental insurance. Our office is set up to submit insurance claims electronically, which has decreased our waiting time for insurance payment. Therefore, after confirmation of current dental insurance, we will file all the paperwork for you and payment can be made to our office from your dental insurance company.

Insurance companies we generally accept are Delta Premier, Delta PPO, and Delta Advantage; Careington Platinum, Cigna Alliance, Principal PPO (sometimes Aetna will go under the Principal umbrella and there will be coverage - this is not always the case), and United Concordia Alliance. Please call our office and we can help you determine if we are a provider for your dental insurance company or not.

Northtowne Dental

For basic (fillings or periodontal) and major (crowns, implants, or bridges) treatment, there will be a co-payment or a deposit of half of the treatment amount. We require half payment since we are on a cash basis with many of our vendors. We also request your estimated co-payment to be made at the time of treatment. If this is a problem for you, the following options are available on the balance:

1). We accept cash, check, health savings credit cards, and major credit cards.

Northtowne Dental

2). Upon credit approval, we offer a 90-day interest-free payment period within our office for your remaining balance. A statement will be mailed to you and a payment is expected every month in order for you to be extended credit on any future treatment. If accounts become past due, we will not extend credit again in the future and your account may be sent to a collection company for payment.

3). We work with CareCredit for interest and interest-free loans, and applications will need to be sent to them for approval.

Accounts outstanding beyond 90 days from treatment date will bear interest at 1.5% per month or 18% per annum.


5900 Cubero Drive NE, Suite B, Albuquerque, NM 87109

Phone: (505) 884-1989

Office Hours

MON - TUE7:00 am - 4:00 pm

WED9:00 am - 5:00 pm

THU8:00 am - 5:00 pm

FRIBy appointments only

SAT - SUNClosed