Kalmar Family Dentistry
Your Smile Speaks Before You Even Say A Word!
Call: (631) 673-0670

Payment Options

Dental treatment is an excellent investment and it is important to be able to schedule treatment and care right away.  So that financial considerations should not be an obstacle to obtaining the care you deserve, we offer several financial options.


We are happy to process your insurance claims to maximize your benefits.  Since insurance can be confusing, we ask that you call or contact us with specific questions.  Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. As a service to our patients, we will bill insurance companies for services and allow them 45 days to render payment. After 45 days, you are responsible for the entire balance, paid-in-full. If you have any questions, our courteous staff is always available to answer them.



We gladly accept: Cash, Checks, American Express, Mastercard, Visa and Discover.



As a service to our patients we offer CareCredit

With CareCredit you can:

  • Start treatment and care immediately and pay over time
  • Pay for other medical expenses for you and your family without having to reapply
  • Pay for deductibles and treatment not covered by insurance
  • Have no annual fees

Online Application:

   Go to www.carecredit.com

  • Fill out the application
  • Receive a decision immediately
  • Contact our practice to schedule treatment


We participate in the following insurance plans:

Metlife PPO • Aenta PPO • Cigna PPO • Delta Dental PPO • Principial PPO – First Ameritas • Dentemax –PPO and reduced fee schedule / DNOA • Dental Health Alliance (DHA) – Nippon Life, Fortis, Assurant  • Connection Dental/ Guradian/ United Healthcare/ Dental benefit providers  • Careington Care Platinum PPO and reduced fee schedule  • Dental Wellness Partners – Humana/Maverist

Contact Us

We encourage you to contact us with any questions or comments you may have. Please call our office or use the quick contact form below.