Our insurance coordinators deal with many different insurance companies. Some companies offer numerous dental and medical plans. These companies can change benefits, co-pays, and deductibles frequently throughout the year.
We do our best to provide you with accurate coverage estimates based on information available to us. At times, it can be almost impossible to estimate a patient’s insurance co-payment accurately. Most insurance companies will not give out fees to providers until after treatment is completed.
Dealing with the complexities of dental insurance companies can be difficult and time-consuming. We ask that you keep us informed of any changes to your insurance, because it is essential that all information is current for billing purposes.
As a courtesy to our patients with dental benefit plans, we will submit the necessary claim forms, receipts, and other information to your insurance company.
Upon receipt of an insurance payment, any balance due will be billed to you and is the patient’s responsibility. If you have deposited an excessive co-payment, it will be refunded to you.
The range of benefits depends solely on what your employer wishes to purchase. Some plans cover as little as 30% of dental services, and some as much as 100%, though most fall into the 40% to 80% range.
Some plans base the amount of benefits on a schedule of fees arbitrarily developed by insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your dental plan. For example, if you plan states that it will pay 80% of the cost of a specific treatment, it means 80% of the fee arbitrarily determined by the company and not the actual fee charged by our office.
Forms of Payment
Our doctors and staff are proud to be a team whose primary goal is to provide the finest and most comprehensive periodontal services available today. We are concerned about your dental care and want to ensure it is performed in the most responsible manner.
In order to facilitate access to the very best healthcare possible, you may choose from any of the following (including a combination thereof): cash, VISA, MasterCard, Discover, money order, personal check, or CareCredit.
We ask for payment at time of service and offer CareCredit, which is a healthcare “credit card” that allows the patient to proceed with treatment with a payment schedule. Although you will see several payment plans offered through CareCredit in their literature, the only plan we use is the three-month interest-free plan.
With this plan, you are able to pay for your treatment over the course of three months with no interest or finance charges! CareCredit is a payment option for applicants who are over 18 years of age. Please ask our financial staff about the specific details if you are interested.
1. Do you take HMO, Medicare, or Medical?
No, we are not in network.
2. Do you bill medical?
No, we do not have medical codes, but we will provide you with the forms necessary for you to submit a claim to your carrier.
3. Do you do pre-authorizations?
Only when the patient requests us to do so.
4. How come I have a balance even though I have insurance and have paid my co-pay?
We estimate your co-pay and if we are not able to get the exact amount we underestimate instead of overcharging our patients.
Our insurance coordinators deal with many different insurance companies. Some companies offer many different dental and medical plans. These companies can change benefits, co-pays, and deductibles many times throughout the year.
We do our best to provide you with accurate coverage estimates based on information available to us. At times, it is almost impossible to estimate a patient’s insurance co-payment accurately. Many insurance companies will not give out fees until after the treatment is completed.
Dealing with these companies can be difficult and time-consuming. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance is current.
Although we will gladly file a claim on your behalf, you may wish to submit the claim yourself. In general, insurers process claims filed directly by patients faster than those filed by the service providers (dental offices).
Further, most dental insurance policies are limited and often pay for only a portion of the procedure(s) that may need to be done.
The majority of dental plans reimburse approximately 30 to 80 percent of treatment costs. With this in mind, we ask that 20 percent of the fee be paid at the time of treatment.
Private and Group Insurance
As a courtesy to our patients with medical and/or dental benefit plans, we will submit necessary claim forms, receipts, and other information to your insurance company.
Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.