Insurance & Financing
In order to preserve the best possible relationship with our patients, we hope that the following explanation of our position on dental insurance and financing will be helpful.
The fees we charge for services rendered to those who are insured are the usual fees charged to all patients for similar services and are always in accordance with the usual customary fees of the particular carrier. Our primary concern is to restore your mouth to a state of optimum dental health. This implies not only to the restoration of your teeth and gums, but the proper diagnostic survey of your mouth, involving clinical examination, x-rays and diagnostic study models to determine the best approach to address your unique dental concerns. Unfortunately, not all insurance companies recognize or understand the importance of this type of comprehensive dental care, and there may be limited allowance in your coverage for these services. We determine care based upon your needs and overall oral health conditions, not on factors or fees which revolve around any given insurance policy. We do participate with most dental plans and fall into network with many such as, Delta Dental, Met Life, Humana, Principal, Aetna and various other carriers.
You should be aware that different insurance companies vary greatly in the types of coverage available. Our office will prepare and submit all of the necessary insurance claims as a convenience to you. However, your policy is an agreement between you and your insurance company - not between our office and your insurance company. We will do our best to see that you receive the maximum benefit, but can not guarantee any coverage estimate. Should your coverage be less than anticipated, you are responsible for your remaining obligation.
Many plans tell participants that they will be covered "up to 80% or up to 100%" but do not clearly specify plan fee schedule allowances, annual maximums or limitations. It is not realistic to expect the insurance company to completely cover all services.
Our computer system has over 800 insurance plans on file and tracks the payment schedules for many of them. We will estimate your insurance coverage at each appointment and ask you to pay the difference, or "co-pay" due each time a service is rendered in our office by one of our providers.
Cosmetic procedures are generally not covered by most insurance policies. However, partial benefits are often available in cases where teeth are broken or have been previously restored with fillings, crowns or bridges. Insurance companies will also usually pay their customary percentage of a less expensive restoration. This amount may then be applied to a more cosmetic material or procedure.
If your child is a patient, the adult accompanying the child is responsible for payment. We cannot bill a noncustodial parent for services delivered to a minor.
Our office accepts Care Credit for payment at the time the service is rendered. Care Credit is a popular choice among patients who wish to complete their dental treatment immediately by securing an account which offers interest free or low interest payment options, based on the needs of the patient. Our staff can obtain an instant online account for you prior to your appointment if you wish to finance your treatment. Please visit www.carecredit.com for details. Account subject to credit check at time of application.
As customary for most businesses, payment is expected at the time services are performed. In addition to cash or check we accept VISA, Mastercard, American Express or Discover. Additional financing may be available when extensive dental care is needed.
Thank you for understanding our financial arrangements. Please let us know if you have any questions or concerns.