Please do not hesitate to ask any questions about payment for our services. We go to great lengths to ensure our patients are aware of any “out of pocket” expenses prior to any dental visit or procedure. We want you to be as comfortable as possible dealing with these matters, and we urge you to consult us if you have any questions regarding our service and fees.
Under most circumstances, you will pay by check or by credit card for services at the time they are rendered. If you have dental insurance, your insurer will reimburse you according to your plan, and we will fill out and file your insurance forms at no charge. Depending on the insurance information that we have prior to your appointment, we can accept your dental insurance as payment.
We will fill out and file insurance forms at no charge. We will do all we can to assure you of maximum benefits, but bear in mind that the insurance company is responsible to you, and you are responsible to us for your account.
If you have any questions regarding your insurance, we ask that you contact your employer or insurance carrier regarding the specifics and details of the plan it is conducting on your behalf. It is our pleasure to assist you in the interpretation of your dental benefits. Please read “Facts about Dental Insurance” below.
If you are in need of extensive treatment, you have the option of making payments over time. Please feel free to discuss this with us. Many patients have successfully worked with us to create individualized payment options. We have experience working with health care financing companies (for example, Carecredit), which have several reasonable financing options.
Dental insurance has played a role in helping people obtain better care. Since we strongly feel that our patients deserve the best possible treatment we can provide, and in an effort to maintain the highest quality of care, we would like to share some facts about dental insurance with you.
FACT #1 Dental insurance companies do not intend for their plans to cover all expenses. Their plans serve only as an aid toward acquiring better care.
FACT #2 Many dental plans tell their insured that they will be covered “up to 80% or up to 100%.” In spite of what you are told, most dentists find that the majority of plans cover about 40% to 50% of an average fee. Some plans may pay more, some pay less. The amount your plan pays is determined by how much you or your employer paid for the plan. The less that is paid for the insurance policy, the less you benefit.
FACT #3 Many dental services are covered a specific number of times in a calendar year (for example, hygiene appointments may be covered only once every six months).
FACT #4 Some insurance companies tell their clients that “fees are above the usual and customary fees” rather than saying to them that “our benefits are too low.” In our office, we do not view our patients as “usual and customary,” but as quality patients, who expect quality dentistry. Remember, your insurance benefit is limited by what you or your employer pays for the plan less profits of the insurance company.