Dennis J. McDowell, D.D.S.
College Hill Professional Building
690 N IL Route 31, Suite B

Crystal Lake, IL 60012
Phone: 815-455-6120 or
Fax: 815-455-7024



Welcome to the office of Dr. Dennis J. McDowell. We look forward to providing you and your family the highest quality care for your dental needs. Every effort is being made to keep the cost of dental care affordable. As in any business, our office has overhead costs that must be met as they occur if we are going to continue to provide the best care possible. Therefore we have instituted the following policies.

New Patients:
All new patients are required to pay for services as they are rendered. Once you are established as a patient, and we have verified your insurance eligibility (if you have Dental Insurance), we will be happy to accept "assignment of benefits" to our office, and bill you for the portion of treatment costs not covered by the insurance plan you have. Also, payment plans will be offered to patients, if needed, once they have established a relationship with our office.

Forms of Payment Accepted:
We accept Cash, Personal Checks, Visa, Master Card, Debit Cards, & Discover. We also accept "Care Credit" – for information on this financial option, PLEASE see their link on our "Links" page of this website. There will be a $35.00 charge for all returned checks.


Uninsured Patients:
Patients who are not enrolled in a Dental Insurance Plan are required to pay for treatment on the day the services are rendered. For extensive treatment plans & multi visit procedures, payments may be split between visits. Please speak to a staff member if you require such an arrangement. Service charges will be applied to ALL account balances 90 days after the services have been performed.

Insured Patients:
While our office accepts many different insurance plans (please refer to our "Insurance Information" page on this website), the contract is between the insurance company and the insured (and their employer). Therefore, even though our staff is very adept at understanding and calculating your benefits, knowledge of restrictions, benefit levels, annual maximums, co-payment percentages, waiting periods, benefit year dates or other stipulations to the plan are the INSURED'S responsibility. Therefore, if your insurance company has not paid within 45 days from the treatment date, the balance on your account becomes due and payable.

**Most insurance plans DO NOT COVER 100% of the cost of your treatment. We will verify your insurance and assist in filing your insurance claims. If your insurance is approved, you will be responsible for your portion of preventive services (examinations, routine cleanings, and x-rays). For any restorative or major services (fillings, crowns, bridges, dentures, or root canals) we will ask that you pay 50% of your charges at the time of treatment in addition to any deductibles. Any payments by your insurance company which exceed your balance due will be promptly refunded to you.

If your account becomes delinquent and we are forced to send it to collections, it will be your responsibility to pay all collection fees, court costs and office service charges.

Payment Contracts:
Contracts may be set up to finance complicated and lengthy treatment plans. It must be approved prior to the initiation of treatment. PLEASE speak with an office staff member if you need such an arrangement.