Dentists & Team  
  Patient Info  
  Contact Us  

Docia Hogan, D.D.S
Robert Koubsky, D.D.S.
3400 1st Street North #102
Saint Cloud, MN 56303
Call us: (320) 255-9048

Financial information:

For your convenience we accept Visa, MasterCard, Discover and CareCredit. A 5% discount will be offered to patients who pay for their services same-day. We also offer a 10% senior discount! Payment is due at the time of service unless other arrangements have been made in advance. If you have questions regarding your account, please contact us at 320-255-9048. 

DH Dental Savings Plan

No insurance? No problem! Our exclusive, affordable dental savings plan allows you significant savings on your dental care without the hassles of traditional insurance! Click here for more information!

Savings Plan ApplicationDH Dental Savings Plan Guidelines

Insurance Information

It’s important to us that you have answers to all of your questions. We have listed a few of our commonly asked insurance questions. However, if you need some additional information, please don’t hesitate to contact us.

Do you accept my insurance plan?

Our office works with most insurance plans. We will gladly file your insurance claim and work with your insurance company to expedite processing and maximize your benefits. Our team is knowledgeable about dental insurance plans and coverage, and we’re more than happy to discuss the particulars of your plan with you prior to any treatment.

Why isn’t the recommended treatment a covered benefit?

Drs. Hogan and Koubsky diagnose and provide treatment based on their professional judgment and not based on just what the insurance company dictates. Some employers or insurance plans exclude coverage for necessary treatment as a way to reduce their costs. Your plan may not include this particular treatment or procedure, even if your dentist deemed the treatment necessary.

How do I understand my Explanation of Benefits (EOB)?

Your Explanation of Benefits (EOB) is a wealth of information. The EOB identifies the benefits, the amount your insurance carrier is willing to pay, and charges covered or not covered by your plan.

How long does it take for a claim to be paid?

The time for a dental insurance carrier to process an insurance claim varies. We gladly file all your insurance claims electronically in order to eliminate long process times. The insurance carrier pays claims (ranging generally from 15-60 days).


Call Koubsky Dental today to reserve your time to discover the life-changing benefits of a confident, healthy smile. 320-255-9048.