Finance / Insurance

Towson Dentist

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We strongly believe each of our patients deserve the finest dental services available. To control our dental fees, payment is expected on the date of service unless other arrangements have been discussed prior to treatment. This allows us to deliver the best care possible at the most reasonable fees.

Our practice is dedicated to providing you with expert dental care. In order to deliver optimum care, we must base our practice on sound business standards. Every patient will receive a detailed treatment plan with the appropriate fees and an explanation of our financial policies.

For your convenience we accept Cash, Check, Visa, MasterCard, American Express, and Discover . Of course, we are sensitive to the fact that some people are not able to pay for extensive treatment all at once; therefore, we do offer alternative payment options, including CareCredit®. If you are interested in discussing those options, please feel free to contact any member of our well qualified administrative staff. They will happily assist you with all aspects of your account including billing questions, payment options, and insurance submissions. Should you have any questions regarding your account, please contact us at 410-828-1177 or


We are considered an ‘out of network provider’ for all insurance companies. We do not directly accept insurance assignment of benefits. We, however, recognize how important it is for you to receive your dental benefits as soon as possible. Although we are not a party to the contractual arrangement with your insurance company, we do want to help you to receive the maximum reimbursement to which you are entitled.

As you know, your dental plan is a form of compensation provided by your employer. You can usually expect the carrier (insurance company) to reimburse you for a portion of our fee. That portion is determined by the contract between your employer and the insurance company. Insurance companies rarely differentiate between fees charged by general dentists and those charged by specialists. Therefore, most specialists are not considered providers. In most instances, your insurance will still contribute to the cost of your treatment, and our office staff will help you achieve your maximum benefit. Your insurance company will usually cover something towards most procedures, at least to some degree. Most companies have a yearly maximum allowable benefit, and some companies disallow certain procedures. An insurance predetermination is the best way to determine the extent your insurance company will cover your treatment.

As a convenience to you we will complete the insurance form for you at every visit and file it electronically (when possible) with your insurance company. We will also gladly provide any documentation required to process your claim. We will do everything within our power to make sure that you always receive the maximum benefit possible.

Please remember you are ultimately responsible for all fees incurred by our office, regardless of your specific insurance coverage.

You can be confident that Ousborne and Keller will always provide you with our best services…without regard to the limitations imposed by your insurance coverage. To do otherwise would violate our personal contract with you — a contract we feel morally obliged to honor.