At Dr. Charles J. Ruff's office we recognize that everyone has different financial needs and desires. We are committed to working with you on this issue. If you have a flex spending decision to be make, please call us and we will do everything possible to assist you with that decision. No referral from your dentist is needed for this appointment.

• For some of our clients, paying the entire amount with a credit card at the start of treatment and receiving a courtesy discount from us along with air miles or "points" from their credit card company makes the most sense.
• Other clients would prefer to make equal monthly payments over the length of their treatment time or use Carecredit to lower their monthly payments even more. We welcome discussing your financial needs and desires.
• We accept assignment of benefits from most insurance companies including flex spending and health savings accounts. Therefore, your financial arrangements can be even more flexible.

Our highly trained business office staff is very adept at helping you manage your insurance benefits as well as your flexible spending accounts. Please call Vicky or Brenda in the business office at 207.873.7425 to discuss any questions that you may have.