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2730 Collingwood Blvd., Suite 2, Toledo, OH 43610Monday and Wednesday: 8 a.m. – 5 p.m. · Tuesday and Thursday: 7 a.m. – 6 p.m. · Friday: 8 a.m. – 1 p.m. · Saturday and Sunday: ClosedMonday and Wednesday: 8 a.m. – 5 p.m.Accepting new patientsNirmala Kulkarni, Dentist license (DDS) · OH License no. 000000

Services

How fees work

We don't contract with insurance plans. Here is how paying works here, in the order most people ask.

  • If you pay yourself

    A visit costs what the written estimate says. Team plan members pay the yearly price on their card, and anything the card doesn't list is quoted in writing first. Financing is offered by third-party lenders. Approval and terms are set by the lender.

    • Pay at the visit

    • The team plan, for routine visits

    • Third-party financing, set by the lender

    See the team plan
  • An estimate in advance

    You can ask for a written estimate before any treatment. If you're paying without insurance, we give you a written estimate in advance, when you book or whenever you ask. It lists the visit, each step we expect, and the fee for each.

    • Written, before treatment

    • Each step and its fee

    • Yours to take home

  • Insurance we work with

    We aren't in network with any plan, and we don't file claims. The team plan is not insurance and can't be combined with it. We aren't enrolled with Medicaid or CHIP.

    • Out of network with every plan

    • We don't file claims

    • Not enrolled with Medicaid or CHIP

  • Receipts for reimbursement

    After each visit you get an itemized receipt. If your own plan reimburses out-of-network care, you can send it in. Whether it pays, and how much, is up to the plan.

    • Itemized, every visit

    • Procedure codes if you ask

  • Checking your benefits

    We don't check benefits, because we don't bill plans. If you want to know what your plan does for an out-of-network dentist, call the number on your card and ask. We'll give you the procedure codes for your visit.

    • Call the number on your card

    • Ask about out-of-network dentists

  • What the first visit includes

    About an hour with Dr. Kulkarni: a talk, an exam, X-rays only if she needs them, and a written estimate before any treatment. Fill in your health history on our private patient portal, not by email and not in the contact form.

    • A talk, then an exam

    • X-rays only if needed

    • Health history on the portal

    Before your first visit

The practice replaces these answers with its own.

Ask for the fee before you decide

Call or send a request. Carlton will tell you what a visit costs, in writing, before we start.