Insurance and Financing



FINANCIAL AND INSURANCE INFORMATION

 

Treatment Planning and Fees

We will gladly give you a written treatment plan with the fees for any recommended dental treatment.  If you have dental insurance, we can help you estimate your portion of the fees.


Payment     

Payment of fees for dental services is expected at the time of treatment.

Payment can be made in the form of cash, personal check, money order, credit card, debit card or health benefit card. 


Dental Insurance

A group dental insurance plan is a benefit intended to cover a portion of the cost of dental treatment.  Some insurance plans pay fixed amounts and others pay percentages of pre-determined amounts for each service.  All plans have annual maximums and most have deductibles.

Most routine dental services are included in dental insurance plans.  Benefits paid for services vary depending on the policy purchased for your group.  It is important that you know the limits of the coverage provided by your plan.

As a service to our patients, we submit dental insurance claims to your insurance company.   An explanation of benefits is sent to you from your insurance company showing the amount of the insurance payment and the amount that is your responsibility.  You will receive a statement from us for the balance due from you after the insurance payment is received. 

We will help you maximize your dental insurance so you are able to take full advantage of the benefits available to you.  We can submit your treatment plan to your insurance company for a predetermination of benefits, which will show the expected insurance payment and the patient responsibility.   Deductibles, annual maximums, plan limitations and policy changes may affect the actual amount paid by insurance even if we have a predetermination.   The fees for all services not paid by insurance are the patient’s responsibility.

Dental treatment is recommended based on your individual needs, regardless of your insurance coverage.  Understandably, people often make decisions about dental treatment based on their insurance coverage.


Patient Financing

There are a number of credit organizations that offer financing for medical/dental services, but we have found their finance charges to be excessive.    Using a personal credit card with a low finance rate is recommended if you need to extend payments.    Finance charges for unpaid balances in our office will accrue at the rate of 1.5% per month (18% APR) or minimum $.50 monthly billing charge.