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.
