As a convenience to our patients, we will file insurance claims on your behalf with your insurance company.  We will do our best to ensure that your claim gets paid properly according to the provisions of your specific plan.  Please remember, however, that there are many different plans offered by a multitude of insurance companies.  The specifics are different for each company, and even each plan within a single company. In some cases, the plan that covers your co-worker in the same company may not have the same coverage as your plan.


Having dental insurance is not a guarantee of payment for services received.  You are the responsible party for all payments, however, we will work with you to help you to get all the insurance benefit you're entitled to receive.


We are currently in-network providers for the following companies:


Delta Dental



Cigna Discount Plan


Aetna Discount Plan (Aetna Dental Access)

Blue Federal Employee



United Healthcare


We accept most major insurance plans of the traditional indemnity type as well as most PPO insurance plans as out-of-network providers.  Most PPO plans allow you to see the dentist of your choice, regardless of whether they are in or out of network.  However, the benefits you receive will be different for each type.


Please remember to bring your insurance card with you for your appointment.



Payment Policies


Steven J Sober, DMD accepts cash, checks, money orders, and credit cards as acceptable forms of payment. Currently we accept Visa, Mastercard, American Express, and Discover. Please note that payment is expected at the time services are rendered, unless other arrangements are made in advance of your treatment.






We are happy to make available to you financing through our finance company, Care Credit.  This company offers options for financing your healthcare expenses, including dental, through participating healthcare providers.  Essentially, it is a credit card with available credit lines for use with healthcare expenses only.  The application process is easy, and once you are qualified for a specific amount, you will be issued a Care Credit card, which you can then use to charge your dental expenses.


Our office allows you options for up to 12 months interest free financing.  If you wish to finance longer than 12 months, Care Credit can arrange for that also with a reasonable interest rate.


If you wish to read more about it, or if you want to make an application, you can go to  We also have brochures available in the office for your convenience.