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Dental Fine Arts | Insurance and office policies in Fremont


Located in Ardenwood area of Fremont, CA

3906 Decoto Rd.
Fremont, CA 94555

     Dr. Anagha Joshi, DDS



Insurance and office policies

Scheduled Appointments

You are responsible for the appointment times scheduled for you and your family memebers. As a courtesy we will call one or two  business days prior to your appointment to remind you of your chosen date and time. We understand that there are emergencies. However we have reserved this time in our schedule especially for you. Because we have many families who would like to have  cared for in our office as well, we do ask for 48 hours notice to cancel or reschedule an appointment.

It is also your responsibility to arrive for your appointment on time. Patients that arrive five or more minutes late run the risk of needing to be rescheduled to avoid inconveniencing our other patients that arrive on time.

We will charge for appointments not canceled or rescheduled with at least 48 business hours notice. We will also charge if you arrive to your appointment too late to be seen! Our fees for missed appointments are $25 for a routine cleaning/checkup and $50 when treatment is scheduled.


If you have dental insurance we will gladly submit your claim on your behalf. However, we cannot guarantee any estimated coverage, as the insurance policy is an agreement between you and your insurance carrier.

No insurance pays 100% of all procedures. Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90-100% of all dental fees. This is not true! Most plans only pay between 50-80% of the average total fee.  Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.

Benefits are not determined by our office. We will check benefits on your behalf with your insurance plan. We will give you your estimated portion for any treatment prior to dental procedure. If for any reason insurance doesn't pay their estimated portion its your responsibility to pay for those services. We are not liable for any uncovered services. Please cal your insurance company if you have a doubt about any uncovered procedures before the appointment. We collect Copayments at the time of dental service.

Your estimated co-payment is due the day treatment is initiated. If we have received all of your insurance information on the day of the appointment, we will be happy to file your claim for you.  You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. We will file insurance  so your insurance company will receive each claim within days of the treatment. By law, your insurance company is required to pay each claim within 30 days of receipt.  You are responsible for any balance on your account after 30 days, whether insurance has paid or not.

Please understand that we file dental insurance as a courtesy to our patients. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim. We also can not be responsible for any errors in filing your insurance — once again, we file claims as a courtesy to you.

Most importantly, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.

Does your office accept my insurance?

With an Indemnity Plan patients can choose their own dentist and their coverage remains the same.

We accept major PPO plans like Delta dental, Metlife, Cigna, Aetna,Humana, Principal Financial, Lincoln, Premier Access, Assurant etc. Please call the office with your PPO plan information.
Within the Delta organization we are a Delta “Premier” provider.
With a “PPO” plan (Preferred Provider Option) coverage % is usually higher and deductible lower at a Preferred Provider.  You need to check your individual plan to verify your options in and out of the network.

We are not a provider for any DMO or HMO plans.
We are not a Denti-Cal,Medi-Cal, Medicare or Healthy Families provider.
If you have a co-payment due at your appointment, as an alternative to paying with cash or a check we accept Visa, MasterCard, American Express and Discover cards.

We  do offer third party Payment Plans though CareCredit  for treatment plans above $400.  For More information click on www.carecredit.com



3906 Decoto Road

Fremont, CA 94555