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Marin Pediatric Dentistry

912 Grand Ave | San Rafael, CA 94901 | Ph: 415-459-1444

Dr. Aparna Aghi

• Harvard and UCSF Trained
• Diplomate of the American Board of Pediatric Dentistry
• Asst. Professor and Clinic Director, UCSF Pediatric Dental Dept.

Dr. Martin Sinai Rayman

• Diplomate of the American Board of Pediatric Dentistry
• 35+ years experience practicing in Marin
• Visiting Professor at educational institutes throughout CA



First Visit


First Visit - Pediatric Dentistry Dr. Aparna Aghi

The specialty of Pediatric Dentistry concerns itself with the practice and teaching of comprehensive oral health care for children from birth to adolescence. This involves working with children who have medical disorders and physical disabilities. Our trained staff can aid your child in feeling comfortable during his/her first visit to our office.

Children who have their first dental experience when they are young are likely to have a favorable outlook toward dental care throughout their life. You as parents, play a very important role in getting your child started with a positive attitude toward dental care. One of the useful things you can do is to be completely natural, fun, and easy going when you tell your child about the appointment with the dentist.

Our office is unique because we encourage patients to be with their child during dental visits. This allows for a positive, shared experience.

The purpose of this first visit is to establish a positive relationship with your child and evaluate your child’s dental health as a guide to future treatment. Usually the first visit consists of:

If further treatment is necessary, options will be discussed with parent(s). We make every effort to pre-authorize and estimate any out of pocket cost prior to proceeding with any dental treatment. However, remember, that you and not your insurance carrier are ultimately responsible for payment of services rendered in our office. We will work with you to maximize your insurance benefits.

As a convenience to you, our staff will assist in processing your insurance forms. Please bring your insurance cards and information to the first appointment. New patients may be asked to pay for the first visit at the time of the appointment if adequate insurance coverage is not provided. Payment or any co-payment is requested at each appointment as service is rendered and can be made by cash, check, Visa, MasterCard, American Express or CareCredit.

Please be aware that the parent bringing the child to our office is legally responsible for payment of all charges.

Our ultimate goal is to provide the finest quality of dental care for your child. We appreciate that the cost of dental treatment can be overwhelming and will make every effort to make sure you understand the need for treatment and are comfortable with every procedure rendered.

New Patient Forms Referral Form Notice of Privacy Practices




Dental Insurance Explanation

How Insurance Works

Having dental coverage can make getting the dental care your child needs easier. It’s important to understand that most dental insurance plans do not cover all dental procedures. When ultimately deciding on your child’s dental treatment, dental benefits shouldn’t be the only consideration.

You should be informed and know what your dental plan covers and what it doesn’t. It is also important to know what type of policy you have, HMO/DMO or PPO. An HMO/DMO requires you see an assigned dentist within their network. Policies that are PPO allow you to see the dentist of your choice.

Ultimately, your child’s treatment should be determined by you and your child’s dentist--not by your level of dental coverage.

How dental benefit plans work

Many dental plans involve a contract that is between your employer and dental plan provider. You can also buy individual dental plans on your own through Health Insurance Marketplaces.

Your dental coverage is NOT determined by your child’s dentist.

Your child’s dentist’s primary goal is to assist you and your child in maintaining good dental health, but not every procedure your child’s dentist recommends will be covered by your insurance. To avoid any surprises on your bill, it’s important to understand what and how much your dental plan will pay.

Your employer and the plan provider agree on the dollar amount your plan pays and what procedures are covered. Your child’s dentist is not involved in deciding your level of coverage.

Dental Plans Share Treatment Costs with you

There are certain cost-control measures that dental plans use to determine how they share treatment costs with you.

Here’s some key terms that are used to describe their measures:

A deductible is the amount of money that you must pay before your benefit plan will pay for any service. It can take more than one service or visit to meet your deductible. Most plans don’t require a deductible for preventive services like cleanings and exams for diagnostic services.

In the majority of cases, after you meet your deductible you will be expected to pay a percentage of the allowed amount of a covered dental service. This is called your co-pay/coinsurance.

For example: your coverage may pay 80% and you must pay the remaining 20% owed to your child’s dentist. If your bill totaled $100, then your plan pays $80 and you would pay the remaining $20.

This is the maximum dollar amount a dental insurance plan will pay during a year. Your employer decides the maximum levels of payment in its contract with the dental provider.

You would pay for anything over that set dollar amount.

For example:

Your child’s dental expense: $3,000

Your annual maximum: $2,500

You owe: $500

These terms apply to patient’s covered by more than one dental plan (dual insurance coverage). The benefit payments from all plans should NOT add up to more than the total charges. Even though you may have two or more dental benefit plans, there is no guarantee that all of the plans will pay for your child’s services. Sometimes, none of the plans will pay for the services your child needs. Each dental plan handles COB in its own way. Please check your plans details.

Dental plans may limit the number of times it will pay for your child’s treatment. But, your child may need a treatment more often to maintain good oral health. Make treatment decisions based on what is best for your child’s health, not just what is covered by your plan.  

For example: Your plan may pay for teeth cleaning only twice in a calendar year, but your child’s needs cleaning 3 times a year, so you would pay out of pocket for the extra cleaning.

Dental plans may also have an age limit as to what age they will or won’t cover a service. In the case of dental sealants, some plans state the age limit may be up to the age of 13 but not including 13. If you still wanted to proceed with sealants at the age of 13 and higher, the cost would be out of pocket.

Many dental plans state that only procedures that are medically or dentally necessary will be covered. If the claim is denied, it does not mean that the services were not necessary. Treatment decisions should be made by you and your dentist.

If your plans rejects your child’s claim because a service was “not dentally necessary”, you can appeal. Work with your benefits manager and the plan’s customer service department to appeal the decision in writing.

Downgrading- when a dental plan changes the procedure code to a less complex or lower cost procedure than what was reported completed by your child’s dental office.

Make Your Child’s Dental Health the Top Priority

Although you may be tempted to make decisions about your child’s dental care based on what your dental plan will pay, remember that your child’s health is the most important thing. Talk to your child’s dentist to make sure they are getting the treatment that will get or keep their mouth healthy.