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



We look forward to providing you and your family the highest quality care for your dental needs. We do NOT belong to any Insurance group. We accept all Indemnity Insurance Plans (those that offer freedom of choice to choose ANY dentist you prefer) and PPO Insurance Plans, even though we are not contracted as a "preferred provider" with those Insurance Companies. PPO plans allow you to seek treatment at the dentist of your choice, with the stipulation that the benefit levels may be different. Our staff is well trained to assist you in calculating your approximate level of benefits with all insurance plans. We refuse to belong to a plan which limits your choice of dentist and possibly dictates your treatment and/or treatment options. We believe all patients should be allowed to choose the treatment that is best for them. This choice should be decided by both the treating dentist and the patient, not by the insurance company.

We will accept "assignment of benefits" from all insurance companies which offer it. Some insurance companies will not send the benefit check to the dentist, but send the benefit check directly to the patient. If you belong to a plan which will not send the benefit check to us, we expect payment in full on the date services are rendered, and will be happy to complete and submit your claim for processing. Our staff will be able to verify, most of the time, if your insurance company or insurance plan will only send the benefits to you.

We complete and submit insurance claims as a courtesy to our patients. ALL insurance plans are a contract between your employer and the insurance company. They are not meant to pay the entire cost of dental treatment, only to assist you by offsetting some of the costs. Not all plans pay the same benefit level or the same benefit amount. The plans are purchased by you or your employer and the benefits correlate to the cost paid for the policy. We will do everything in our power to give you the best estimate of what your plan will pay for most treatment options, but we cannot guarantee your benefits. All treatment costs not covered by your insurance plan are your responsibility. We will be happy to assist you in all your insurance inquiries, and do everything possible to help you obtain maximum benefits. We will also assist you in how best to schedule needed treatment to maximize your annual maximums imposed on each policy.