Financial/Cancellation Policy

Financial Policy

We believe that all patients deserve the very best dental care Harbor Light can provide.  We also believe that everyone benefits when specific financial arrangements are agreed upon.  The following is a statement of Harbor Light’s Financial Policy which we require that you read and sign prior to any treatment. 

Full Payment is due at time of service, we accept cash, checks, Visa, Mastercard, Discover, American Express, and Debit Cards. We also offer Care Credit which is an extended payment plan with prior approval.

Regarding Insurance

 We request that any co-payments, coinsurance, deductibles, and any services not covered by insurance be paid at the time service is provided.  The balance is your responsibility whether your insurance company pays or not.  We cannot bill your insurance unless you bring in all insurance information at your initial visit.  Your insurance policy is a contract between you and your insurance company.  We are not a party to that contract.  Please be aware that some and possibly all of the services provided may be non-covered services and not considered reasonable, usual and customary under the terms of your dental and/or medical policy.

 Minor Patients

 The parent (or guardian) accompanying a minor is responsible for full payment at time of service. 

 Payment Plans

 Harbor Light has partnered with CareCredit, a patient financing company, to offer our patients 0% interest financing for 3, 6, or 12 months with approval.  No other payment plans are available.


 Refunds for overpayment will be sent after all treatment is completed and insurance has been collected. 


Any account that has not received payment in 90 days will be handed over to a collection agency that will pursue the responsible party for reimbursement.  A $75 collection fee will be added to your account. 

 Thank you for understanding Harbor Light’s  financial policy.  Please let us know if you have any questions or concerns (419-517-2100).  We look forward to providing the highest quality dental care in a relaxing and caring atmosphere. 

Cancellation & No Show Policy

The appointment time you have selected is very valuable to both of us.  Harbor Light’s Cancellation Policy requires a 48 hr. (two business days) advanced notice for any rescheduling or cancellation of your appointment.  Only one advance notice cancellation will be permitted.  We understand that unforeseen circumstances may arise; cases will be reviewed on an individual basis.  Unfortunately, patients who fail to follow this policy will not be allowed to reschedule an appointment.

For more information on CareCredit or Lending Club  and its program, click on the link or contact our office at 419-517-2100.