Is the pre-pay option mostly for patients without dental insurance?

Yes, the pre-pay option mostly for patients without dental insurance.

Another question: I have dental insurance and I’ve had two different dentists in the past 15-months and neither offered a pre-pay option. Does pre-pay work with insurance? 

Answer: Between the clinic and the patient they have to settle any insurance / reimbursable themselves. iSmartOffice^TM only provide some insurance company forms, but it is the responsibility between patients and clinics