Financial Policy Explained

 

This page is intended to provide you with some details about our financial policy, in the hope of avoiding any misunderstandings.  If you have additional questions, do not hesitate to contact our office – we can address any question you might have.

At the time of service, the parent or legal guardian accompanying a minor child is responsible for full payment (unless alternate arrangements have been made).  By doing so we keep our fees as low as possible.  We accept all major credit cards, checks and assignment of dental insurance plan benefits.  Returned checks will result in a $50 processing fee.

While we are considered in-network with Delta Dental Premiere, we are out-of-network for all other companies.  We can estimate your benefits, and the patient portion that is not covered by your insurance will be your responsibility.  As a courtesy, we are happy to file your insurance claim for you.  You will need to leave your credit card on file with our office to cover any remaining balance once the claim is submitted.  In most cases, our fees are close to what insurance company benefits will offer, and therefore the price difference is minimal. It is our hope that our families believe the quality of care they receive is worth that difference.

We will do our best to estimate your insurance coverage.  If your insurance company overpays, we will send you a reimbursement, or establish a credit to your account if you prefer.  If your insurance underpays, we will charge your credit card on file.  We can also provide you with a statement of your transactions, and explanation of benefits.

Dental insurance is used to improve the access to care by reducing the individual cost of receiving dental care.  No insurance company will pay for 100% of all procedures.  Many patients believe their coverage pays more than it actually does, which can create confusion and frustration if you are not familiar with the details of your specific plan.  Since there are thousands of dental plans for employers and individuals to choose from, it is important for you to try to determine what kind of coverage you have and what is actually paid for.  Each insurance company sets its own “schedule of benefits,” that is, the fees they consider procedures should cost.  These schedules vary widely from company to company and within different policies of the same company.  The data used by insurers to determine a schedule is does not take into account the cost of running a dental practice, and typically results in benefits that are almost always lower than a dentist’s actual fee.  Often, this makes it appear that a dental office is charging more than a procedure is actually worth.  This is misleading, because the insurance company is actually underpaying you.