If I could give 0 I would! I had the pleasure of meeting this doctor because my dentist was away in Greece. Well, I went in with one problem and came out with the largest healthcare bill of my lifetime and I have insurance coverage!!. Of course they had this credit card to sell me and make sure I signed it before I left because the interest rates were going to change and I «MUST» take advantage of this great opportunity. Buyer beware. Compare prices with other dentists before settling on this place… I was desperate because of pain but in any other situation I would refrain from signing on the contract line…