FINANCIAL INFORMATION & INSURANCE
Financial and Insurance Information
The ultimate goal of Children’s Dentistry is to provide quality care and be understanding of all our patient’s needs. We feel confident in our ability to provide you and your child valuable dental care that will exceed all your expectations. Our desire is to establish a long-lasting relationship with you and your child.
Our financial policy is:
We require payment in full at the time the service is rendered. We accept cash, check and MasterCard, VISA and Discover credit cards. We also offer payment plans using our in-house financing program, CareCredit®. If you have dental insurance, it is our pleasure to assist you in maximizing your insurance benefits by filing your claims with your insurance company. It is important that you understand that as your dental care provider, our relationship is with you, not your insurance company. The range of benefits depends solely on what your employer wishes to purchase. We will give you an estimated payment amount which is to be paid on the day of service. Most carriers have an 80/20 plan, and that is how we estimate your payment. If a credit appears on your account once the carrier has paid the claim, a refund will be issued to you. Any difference owed by you will be due upon receipt of our statement. We can process either the refund or additional charge onto your debit/credit card automatically with your authorization.
If for any reason, we have not received your insurance carrier’s payment 60 days after the claim, the remaining balance will be due and payable by you.
The parent or guardian who brings the child to our office is responsible for payment in full. All statements will be sent to this individual. We will not bill a third party other than insurance companies.
If you have any concerns regarding the financial portion of any treatment plan, please discuss these issues with our financial coordinator before treatment starts. We will not alter our standard financial arrangements once treatment has been done.
CareCredit®, the leader in patient/client financing, has helped more than 1 million patients/clients get the treatment or procedures they needed and wanted. With a comprehensive range of plan options, for treatment or procedure fees from $1 to over $25,000, we offer a plan and a low monthly payment to fit comfortably into almost every budget.
We are happy to help you receive your benefits from your dental insurance. It is important that you understand that as your dental care provider, our relationship is with you, not your insurance company. While filing of insurance claims is a courtesy to our patients, all charges are your responsibility from the date services are rendered.
Insurance benefits may vary with the age of the child. Please verify eligibility and benefits before your appointment.
According to our financial policy, we require payment in full at the time service is rendered.
For preventive visits, we will not collect a co-payment unless you know your policy does not cover this visit at 100%, as that is what we base our estimated portion on for this type of visit. For operative appointments, we require that you make a payment of at least 20-50% of the estimated portion, depending upon what type of treatment is rendered. This is just an estimate on our part, and true payment will not be known until the claim is submitted and payment is received.
Although your policy may state you have 100% UCR coverage on either preventive or basic service, be aware that the yearly deductible may still apply.
Our fees are considered to fall within the acceptable range of most companies. However, some carriers use an arbitrary fee schedule, which bears no relationship to the current standard and cost of care in this area. The range of benefits depends solely on what your employer wishes to offer his/her employees. Some plans cover as little as 30% or as much as 100% for dental services, with most falling into the 50-80% range. Most plans exclude sedation services, such as nitrous oxide and oral sedation, while a few plans cover a full range of dental services. Some plans have waiting periods. Our office is not responsible for monitoring each contract limitation. Your insurance is a contract between you and your insurance company.
We can submit a dental pre-determination estimate to you insurance carrier if you request. This may take 4-6 weeks to be returned to our office. You may also log onto the Internet if your carrier provides that option and be able to get your estimated benefits. Just remember, this is still an estimate, not a guarantee of payment or coverage.