Payment plan & invoice
A treatment sometimes incurs costs that you pay yourself. It helps to know in advance what will be done, what the expected costs are, and what part your insurer may cover. Here you will find explanations about estimates, your bill, and discussing payment options. This page does not guarantee reimbursement or payment in installments: the agreements with your insurer and the sender of your bill apply.
Discuss the costs before you decide
Ask about the necessary components and whether there are alternatives when receiving a treatment proposal. Discuss not only the first appointment but also any follow-up visits, dental technology, and maintenance. This way, you can evaluate a proposal before making a choice. Feel free to indicate when costs are a reason for hesitation; then you can discuss what that means for the planning and possible approach.
The NZa sets rules for dental care rates and information about costs. For a treatment costing more than € 250, you must receive a quote in advance. For amounts over € 500, this must always be provided in writing. Also, ask for clarification for lower amounts if you do not know what costs to expect. An estimate describes the expected care; discuss any changes to the plan and the implications for costs.
Estimate, reimbursement, and personal payment
A budget from the practice is not the same as a commitment from your insurer. Use the descriptions and treatment codes to inquire in advance with your insurer about the applicable reimbursement. Also check if a maximum, authorization, or other policy condition applies. If unclear, request clarification before treatment starts, especially for a longer course of treatment.
The coverage of dental care varies by age, treatment, and insurance. Regular check-ups for adults generally do not fall under the basic insurance. An additional insurance may reimburse part of the costs, but has its own conditions. Do not assume automatic reimbursement for braces, implants, or prosthetics: have your personal situation checked.
Check your bill
- Are your details correct, the treatment date, and the mentioned practice?
- Do you recognize the treatments and does the bill match the provided explanation?
- Is it clear which amount has already been reimbursed and which amount you still need to pay?
- Who is the sender, what is the due date, and what payment reference belongs to it?
Keep the bill and proof of payment together. If you have a question about what has been treated, contact the practice. If it concerns the processing of a payment or a payment reference, use the contact route of the sender of the bill. Do not send bank card details or complete bank statements via the general contact form.
If your bill comes from Infomedics
If you receive a bill from Infomedics, you can find information about payment, deferment, and payment arrangements on their official website. The options depend on your bill and the current conditions. Use the details from your own bill. This explanation does not mean that every practice or every treatment within the network is billed through Infomedics.
If you doubt an email or payment request, open the official website of the sender yourself instead of following an unexpected link. In case of doubt, have it checked whether the bill actually belongs to your treatment. The links at the bottom of this page refer to the official information; you do not need to enter billing details on this website to read that explanation.
Cannot pay on time or not in one go?
Contact the sender of the bill before the due date. Ask if deferment or an arrangement is possible and what conditions apply. Do not agree to a lower monthly amount by making partial payments: without a confirmed arrangement, the rest of the bill may still be due. Keep the confirmation of the agreements you make.
When inquiring about an arrangement, ask about the number of installments, payment dates, any costs, and what happens if a payment fails. If you expect problems again later, contact them in time. A request for deferment is not the same as approved deferment. This website cannot arrange a payment plan for you and does not promise fixed acceptance conditions.
An error, reminder, or disputed bill
If you disagree with an amount, explain which rule or treatment you dispute and request a review. If you have already paid, keep your payment reference and payment date handy. Also ask what happens to the payment term during the review. Asking a question or filing a complaint does not automatically suspend payment. Therefore, do not ignore reminders.
Who can you turn to?
The practice can provide explanations about your treatment and budget. Your insurer assesses the reimbursement according to your policy. The sender of the bill handles questions about payment and payment arrangements. For a complaint about care, you will find a separate complaints page. If you want to know whether self-paid care costs may be deductible, also read the information about tax deductions; a bill alone does not prove entitlement to deduction.