Pediatric Dentist, Shiloh, IL, Dr. Kristen Cummings

Appointment Scheduling   |   Do I stay with my child during the visit? |   Finances   |   Insurance  

ALL GRINS 4 KIDS is limited to the care of infants, children, teenagers and persons with special needs. Our focus is on prevention in order to promote a lifetime of good oral health. Because our patients are children, parents or guardians will be included in patient education, care planning and treatment. Therefore, a parent or legal guardian must accompany their child to all appointments.

Appointment Scheduling

Our office attempts to schedule appointments at your convenience and when time is available. In a practice limited to care of children, all appointments cannot be made after school hours. Children are fresher and have more resources for coping in the mornings. Therefore, certain morning appointments are necessary. We realize that occasionally this may inconvenience some parents, but it is the child we must always consider.

We believe that education is important for all children and want to limit absences from school. Toothaches can affect a child's ability to concentrate and learn. The best way to maintain good dental health is for the child to receive routine preventive care. This is one of the reasons for mandatory dental exams for Illinois schools children. Thus, any dental appointment, like medical appointments, is an excused absence with a signed note from our office.

Since appointment times are reserved exclusively for each patient we ask that you notify our office 48 hours in advance of your scheduled appointment time if a cancellation is unavoidable. Another patient who needs our care could be scheduled if we have sufficient time to notify them. We realize that unexpected things can happen, but we ask for your assistance in this regard. We reserve the right to charge a missed appointment fee if you do not cancel at least 48 hours prior to your scheduled appointment. If two (2) or more broken/missed appointments occur or two (2) cancellations without a 48 hour notice, our office reserves the right to not schedule any subsequent appointments.
Dentistry Mission Statement

HOW WE WILL CONTACT YOU: At All Grins 4 Kids Pediatric Dentistry we value your time. Most of our patients welcome easy digital communications that don't require more than a quick 'press of a button' to respond. We use RevenueWell to ensure that our texts and emails are safe and secure, and a great way to keep in touch. We are happy to offer several options for communications in our office:

  • Choose to receive your appointment reminders via text, email or both.
  • Opt out of digital communications; we'll call you to remind you of your child's appointment - the personal touch.

You can always call our friendly Front Office Team: Monday through Friday 8:00 - 5:00 p.m. at 618-628-4400
You can also reach the Team via email :

Your cooperation in complying with these guidelines is appreciated. We are concerned primarily with your child's oral health, as well as taking your schedule into consideration. We believe these guidelines will best benefit every patient. It is our desire to serve each and every one of you without causing undue hardship for anyone. Thank you for choosing our office for your child's dental care.

Do I stay with my child during the visit?

We invite you to stay with your child during the initial examination as well as any recall examinations. This gives you the opportunity to get a feel for the office and allows Dr. Cummings to discuss any dental findings and treatment needs directly with you. During treatment appointments, we encourage children 4 and over to come back to the treatment area by themselves as this builds autonomy and trust. Older children who are apprehensive may look for an "escape" by going to their parents. In addition, it allows the doctor and team to truly focus on the most important individual in the room-your child! Our goal is to gain your child's confidence and overcome apprehension. However, if you choose, you are more than welcome to accompany your child to the treatment room. For the safety and privacy of all patients, only one parent would be welcomed back and other children who are not being treated should remain in the reception room with a supervising adult.


Payment is due in full at the time dental treatment is provided. Patients with dental insurance must provide accurate and complete insurance information, as we are happy to file your insurance benefits for you. Any amount not covered by your insurance company is payable at the time services are rendered. Please be aware that the parent bringing the child to our office is legally responsible for payment of all charges, we cannot send statements to other persons. For you convenience, we accept cash, personal checks, VISA, MasterCard, American Express, Discover and Care Credit. For more information on Care Credit, visit

Please read our Practice Financial Policy

Insurance - Our Office Policy Regarding Dental Benefit Plans (Insurance)

PLEASE UNDERSTAND that we file dental claims as a courtesy to our patients. Claims are filed electronically to expedite communication with your insurance company. You will be responsible for any deductibles, co-payments or balances not covered by insurance.  Our office will attempt to contact your insurance before your appointment and inform you of the estimated costs of treatment to avoid any surprises. So, it important for you to keep us informed of any insurance changes such as policy name, insurance company address or a change of employment. Filing your insurance is not a guarantee of payment for the service(s) performed.  We have no way of knowing if, or what, your insurance company will pay until the actual claim is submitted.  Therefore, all account balances which have not been paid are the responsibility of the parent/guardian.  Dental insurance is meant to be an "aid" in receiving dental care. Our office bases treatment on your child's needs, not what your insurance will pay.  Insurance payments are determined by the benefit package that you or your employer purchased.

We do not have a contract with your insurance company, only you do. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We, at no time, guarantee what your insurance will or will not do with each claim.

Many patients think that their insurance pays 90%-100% of all dental fees. Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is determined by the contract your employer has set up with the insurance company.

You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently this data can be three to five years old and these "allowable" fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, some insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.

When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.

The frequency of payment for some procedures may be limited by an insurance company. This is most often encountered in a pediatric dental office with fluoride treatments. The American Dental Association and the American Academy of Pediatric Dentistry recommend the application of fluoride every 6 months since it is proven to be highly effective against tooth decay. Our office follows those recommendations in order to achieve optimal oral health for your child. Therefore, if an insurance plan limits the frequency of the fluoride treatment, the parent will be responsible for this cost. This can also be encountered with other procedures, such as x-rays and sealants.

All Grins 4 Kids is an in-network provider for the following insurance programs:

  • Delta Dental (Premier Provider)

  • MetLife

  • Cigna Dental DPPO

  • Aetna DPPO

  • United Concordia TDP

  • Guardian PPO

  • GEHA

  • Ameritas

  • United Concordia Fee for Services

So our office can give the best cost of treatment for your child's dental needs, we can send in pretreatment estimates for your child's procedures. Therefore, all account balances which have not been paid are the responsibility of the parent/guardian. Dental insurance is meant to be an "aid" in receiving dental care. Our office bases treatment on your child's needs, not what your insurance will pay. Insurance payments are determined by the benefit package that you or your employer purchased.

Please remember that we are a third party to your insurance company and accept most insurances as a courtesy to you. We cannot be responsible for keeping up with the ever-changing policies of each individual insurance plan. We prefer to spend our time treating the children that come into our office.
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Pediatric Dentist, Shiloh, IL, Dr. Kristen Cummings
Pediatric Dentist, Shiloh, IL, Dr. Kristen Cummings

Pediatric Dentist, Shiloh, IL ~ Dr. Kristen Cummings  Serving patients in the surrounding cities and areas of Shiloh, Illinois 62269, 62221, 62225

Copyright 2008 Kristen Cummings, D.M.D.   All Rights Reserved.

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