Insurance And Financial Information


Dr. Bruce Wintersteen accepts all major dental insurance, and we are a preferred provider for Cigna and a premier provider for Delta Dental We'll help you get the dental care you need without breaking the bank.

What if I am out of network?

We accept out of network patients. Depending on the cost of the procedure it could cost you more out of pocket if we are out of network for your insurance plan. You can go online to your insurance company's website to check your insurance coverage.

Do I have to send the claims to my insurance or do you?

We send the claims for you. Unlike many care providers, we don’t make you pay the entire portion up front and have the insurance company reimburse you. Instead, at our office you only pay the portion of your bill that is estimated not to be covered by your insurance plan. We are usually able to let you know what your estimated portion is at the time of service.

I don’t have insurance. How do I get insurance? What do you recommend?

If you don’t have insurance with your place of employment, and don’t qualify for state assisted programs, you can get individual dental insurance through Aflac and Delta Dental of Illinois.

Do you accept public aid/ Medical Card patients?

We are no longer accepting new Medicaid patients

What if I have further questions?

To discuss your payment options or insurance coverage, please call (217) 762-4366 and ask to speak with our office manager, Vicki.


How can I pay for your services?

You can pay for your office visits and any treatments at the time of treatment by cash, check, credit or debit card, and money orders.

What credit cards to you accept?

Visa, Discover, Master Card, and American Express

Will you send me a bill or do I have to pay at the time of service?

According to our office policy payment is due at the time of service. If you have insurance we will estimate how much the insurance is likely to pay and you only pay your estimated portion at the time of service. If you do not have insurance you must pay the entire portion at the time of service.

Do you offer payment plans for people who can’t pay the entire cost at the time of service?

Yes. We work with a company called Care Credit which is a health care financing company.

I received a bill in the mail but I paid the charges at the time of service. What is the bill for? When is it due? Are there late fees?

This is most likely due to your insurance coverage. When we calculate your payment at the time of service we are basing your portion on an estimate of what we believe the insurance company will pay, based onwhat they have paid in the past. Sometimes coverage changes or prices are increased and therefore the insurance doesn't pay as much as we estimated they would and you are responsible to pay the remainder.

If you do not have insurance, or if you have determined that a change in insurance coverage is not the cause of the mysterious charge, then you probably have a charge for a missed appointment.

I’ve been getting calls from Collections. Why did you send me to Collections? What are the consequences? I’ve paid my bills; how do I get back in your ‘good books’?

If you've been sent to Collections it means your bill has been outstanding for 90 days with no payments made during that time. We send out several statements including a final notice as reminders to pay your bill. If we recieve no response and no payments we will send you to Collections. We will call you to inform you when we send your information to a collection agency.

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8:00 am-6:00 pm


8:00 am-8:00 pm


8:00 am-6:00 pm




8:00 am-5:00 pm


8:00 am-1:00 pm




    I am a local woman and realized Champaign is not always the best place for dentistry. Coming to a smaller town and getting fantastic service is a nice change. You are not just another number. Both my husband and I feel we have found a real gem. Dr. Wintersteen has a fantastic personality and is a very professional knowledgeable man.

    Maggie Salmons

    Fantastic doctor and staff. Highly recommended!

    Mike Bonds

    Dr. Wintersteen is witty knowledgeable and a joy to work with. His staff wonderful women

    Dawn Mathes