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Insurance Information

We Put Your Care First, Not Your Coverage

Alber Dental Studio is a 100% fee-for-service practice. That means every recommendation we make is based entirely on what your smile needs — never on what an insurance plan will or won't pay.

  • Out of network with all insurance carriers
  • We file your claims and handle all paperwork
  • Many patients receive partial reimbursement
  • No insurance? Our Membership Plan has you covered
Dr. Marc Alber and Dr. Lauren Llorente at Alber Dental Studio in Boulder, CO

No Insurance? No Problem.

Our in-house Membership Plan covers your preventive care for a low monthly fee, with savings on additional treatments.

Why Fee-for-Service

What It Really Means to Be Out of Network

Being out of network is not a limitation — it is a choice we made on your behalf. Here is what that means in practice.

Recommendations Based on Your Health, Not Your Plan

Insurance companies decide what they cover based on cost, not clinical need. As a fee-for-service practice, we recommend only the treatment your smile actually needs — nothing more, nothing less.

We Handle Your Insurance Paperwork

We will file your claim for you and provide everything your insurance company needs to process a reimbursement. Many of our patients receive partial reimbursement depending on their plan's out-of-network benefits.

Full Price Transparency Before Treatment

We walk you through every cost before a procedure begins. You will always know exactly what to expect. No surprise bills, no guessing what insurance may or may not cover after the fact.

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More
Interior of Alber Dental Studio, Boulder CO
Interior of Alber Dental Studio, Boulder CO

How We Handle Your Insurance

Just because we are out of network does not mean you are on your own. Our team will take care of all the heavy lifting so you can focus on your appointment, not your paperwork.

1

We File Your Claim

After your visit, we submit your insurance claim on your behalf with all the documentation your carrier needs to process it.

2

You Pay at the Time of Service

Payment is collected at your appointment. We will give you a clear, itemized breakdown of costs before any work begins.

3

Your Insurance Reimburses You Directly

Depending on your out-of-network benefits, your insurance company sends reimbursement directly to you. Many of our patients recover a meaningful portion of their costs.

4

We Answer Any Questions Along the Way

Our front desk team is experienced at navigating out-of-network conversations and can help you understand your benefits before your appointment.

What to Check With Your Insurance

Before your visit, call the member services number on your insurance card and ask: Do I have out-of-network dental benefits? What is my out-of-network deductible? What percentage do you reimburse for out-of-network providers? We are happy to help you interpret what you find out.

No Dental Insurance?

Our in-house Membership Plan is designed for patients without insurance. A simple monthly fee covers your preventive care, with discounts on other treatments. No deductibles, no waiting periods, no maximums.

Learn About Our Membership Plan

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More
Interior of Alber Dental Studio, Boulder CO
Interior of Alber Dental Studio, Boulder CO
We Make It Simple

Have Insurance Questions? Call Us Before Your Visit.

Our team is experienced at navigating out-of-network conversations and can walk you through your options before you even step in the door.

Insurance Questions Answered

We made a deliberate choice to be 100% fee-for-service so that our clinical recommendations are never influenced by what an insurance plan will or will not cover. This means every treatment we propose is based solely on what is best for your oral health. We believe that is the highest standard of care we can offer you.

Yes. We handle all the paperwork on your behalf after your visit. We submit your claim with the documentation your insurance carrier needs and provide you with everything required for them to process a reimbursement. Our front desk team is experienced at navigating out-of-network submissions and is happy to walk you through the process.

Reimbursement amounts vary by plan. Many dental insurance plans include out-of-network benefits that reimburse a percentage of the allowed amount for covered procedures. We recommend calling the member services number on your insurance card before your appointment to ask about your out-of-network deductible and reimbursement percentage. We are happy to help you interpret what you find out.

We have several options for patients without insurance. Our in-house Membership Plan covers your preventive care for a simple monthly fee with no deductibles, no waiting periods, and no annual maximums. We also offer third-party financing through CareCredit, Cherry, and Altheon for larger treatment needs, and we accept HSA and FSA funds.

We are out of network with all insurance carriers. We do not participate in any insurance networks, which means we are not bound by their contracted fee schedules or treatment protocols. This allows us to provide the care you need without compromise. We accept payment at the time of service and submit claims to your insurance company for out-of-network reimbursement.

Not necessarily. Because we recommend only the treatment you actually need, many of our patients find their overall care costs are comparable to or lower than practices that over-treat based on insurance coverage. Additionally, with out-of-network reimbursement, financing options, and our Membership Plan, there are multiple ways to make your care affordable. We are always transparent about costs upfront so there are no surprises.

Still Have Questions? Our Team Is Happy to Help.

Call our Boulder office before your appointment and we will walk you through your insurance options and what to expect at your visit.

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More

Our Featured Services

Family Dentistry

Make appointments for you and your loved ones to ensure your favorite smiles stay healthy and strong. Take care of your family's oral health throughout their lives.

Learn More

Orthodontics

Straighten your teeth with discreet Invisalign treatment or help your child avoid problems with our preventive solutions. Schedule a consultation with our team today.

Learn More

Relieving Dental Anxiety

Minimize your stress and feel comfortable during your appointment with amenities and soothing sedation. Call to find out how we can help you overcome your dental fear.

Learn More
Interior of Alber Dental Studio, Boulder CO
Interior of Alber Dental Studio, Boulder CO