Clearwater Family Medicine & Dental
Insurance and billing

Plans we take, prices we publish

We believe insurance and billing should be simple and predictable. We verify coverage before your appointment and provide written Good Faith Estimates for all non-emergency procedures.

Payer networks

In-network health and dental carriers

We file claims directly with in-network carriers. Call the desk or your payer before the visit to confirm your deductible, copay and network tier.

Blue Cross Blue Shield of Wisconsin

Commercial PPO / POS / EPO

Medical primary care covered under standard copay / coinsurance.

Quartz Health Plan

Community & Regional HMO

In-network for all primary care physician visits.

Dean Health Plan / Medica

Commercial Network Plans

Accepted for established and new family medicine patients.

Traditional Medicare (Part B)

Medicare Advantage & Supplemental

We accept Medicare assignment for all eligible clinical services.

Delta Dental of Wisconsin

Premier & PPO Dental Networks

Preventive cleanings and covered restorative procedures.

Cigna Dental & MetLife Dental

Commercial PPO

Direct claim filing with transparent out-of-pocket estimates.

Paying without insurance

Direct-pay estimates

If you are uninsured, or you would rather not run a claim, these are the itemised prices you will be quoted before anything is scheduled.

New Patient Comprehensive Medical Visit (Level 4) $210 Full 60-minute intake, clinical examination, care plan formulation, and prescription alignment.
Established Patient Follow-up / Routine Visit $135 30-minute evaluation and treatment for chronic care or singular acute illness.
Comprehensive Dental Exam & Bitewing X-Rays $165 Full oral exam, periodontal evaluation, digital radiography, and hygiene plan.
Adult Prophylaxis (Standard Cleaning) $110 Ultrasonic scaling, manual polish, and fluoride varnish treatment.
Routine Sports or Camp Physical $85 Physical examination and completion of required state/school forms.
Common questions

Billing and coverage

How do I book an appointment?

You can call our front desk directly at (608) 555-0136 or use our request form to request a phone callback. We do not use third-party messaging bots or ask you to input medical symptoms online.

Why is there no patient medical portal on this website?

We strictly protect patient privacy. To prevent unauthorized transmission of Protected Health Information (PHI), our clinic handles all clinical inquiries, prescription renewals, and test results via direct phone or encrypted in-person consultation.

What if I do not have insurance?

We offer clear self-pay pricing with a 20% prompt-pay discount when settled on the day of service. We provide itemized Good Faith Estimates in accordance with the No Surprises Act.

What is your appointment cancellation policy?

We request at least 24 hours advance notice if you need to reschedule so we can offer the reserved clinical time to a patient waiting for care.

Still not sure what your plan covers? The desk will check it before anything is booked.

Ask the front desk
Request an appointment