Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your budget and timetable, so that we can give your child the best care that is available. We accept cash, personal checks, debit cards, and most major credit cards.
Our Office Policy Regarding Dental Insurance
If we have received all of your insurance information on the day of or prior to the appointment, we will be happy to file your claim for you. Please be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. By law the insurance companies are required to pay a claim within 30 days. If you are due a refund, we will promptly send you a check. Often times you will receive a statement from the insurance company before we do. If you have a balance longer than 60 days, a finance charge of 1.5% will be added to your account each month until paid.
PLEASE UNDERSTAND that we file dental insurance as a courtesy to our patients. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. Employers have many options when it comes to choosing a dental plan.If you have questions regarding your policy please ask the human resources representative at your work. We can only assist you in estimating your portion of the cost of treatment. Of course, we cannot guarantee what your insurance will or will not do with each claim.
Fact 1: NO INSURANCE PAYS 100% OF ALL PROCEDURES.
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90% to 100% of all fees.This is simply not true. Most plans only pay 50% to 80% of the average total fee. Some pay more, some pay less.The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.
FACT 2: BENEFITS ARE NOT DETERMINED BY OUR OFFICE.
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary or reasonable fee used by the company.
A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.
Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. Unfortunately, insurance companies imply that your dentist is overcharging rather than say that they are underpaying, or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.
FACT 3: DEDUCTIBLES AND CO-PAYMENTS MUST BE CONSIDERED.
When estimating dental benefits, deductibles and percentages must be considered. Each plan has its own deductible that must be met first before they will pay anything on a claim.
Please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment. It is always wise to keep up with your policy and know what coverage you have. The human resource representative at your work will help you with this.