There are several ways benefit amounts are determined:
Some plans pay a set dollar amount for service.
It is common for a plan to pay a percentage of what the insurance industry calls the usual, customary or prevailing fee. Each insurance carrier establishes their own usual, customary and prevailing fees by use of a complicated formula, which is confidential and not made public. In our view, usual and customary is an insurance term that means, average care. The care we provide is designed to be excellent rather than average.
Many policies require that an annual deductible be paid. Amounts range from $25 to $250.
Most plans set an annual or lifetime limit on benefits.
Very few insurance companies require a pre-treatment estimate. We will prepare one if it is important for you to understand what your financial obligation will be. The insurance company will notify you or us as to what benefits they will pay. Please review your insurance booklet thoroughly and be sure to ask questions of your company’s representative so that you do not have surprises when you are asked to meet your financial obligations. We are prepared to assist you as much as possible. At times we are unable to help due to contractual limitations or interpretations by the insurance carrier.
Filing insurance claims is a courtesy that we extend to our patients. All charges are your responsibility from the date the services are rendered. If a temporary financial problem will effect timely payment of your account, we encourage you to contact us promptly for assistance in the management of your account.
We are committed to running a financially responsible practice that benefits our patients through quality high value results, facilitated by our ongoing investment in state-of-the-art equipment and extensive continuing education for the doctors and all our staff.
Prior to treatment, our Financial Coordinator will assist you with insurance matters and other financial arrangements needed for your care. However, you must recognize that it is your responsibility to fulfill your financial commitment to our office promptly and completely. We can offer you the following payment options for your care:
Up to 5% courtesy fee reduction for payment before treatment is rendered
Treatment fees divided into two or three equal payments
We can help you arrange a no-interest loan for up to 12 months
We can help you arrange a low-interest loan for 12 to 48 months
If you have dental insurance, we will help you process your claim
CareCredit for dental procedures
We’re pleased to offer our patients CareCredit, North America’s leader in patient payment plans. CareCredit lets you begin your treatment immediately then pay for it over time with monthly payments that fit easily into your monthly budget.
Your healthcare credit card.
- Minimum monthly payments
- No up-front costs or pre-payment penalties
Apply online for your CareCredit card today. You’ll be smiling bright in no time.Apply