Financial Policy

Payment in full is due at the time dental treatment is provided unless previous arrangements have been made. We accept cash, personal check, MasterCard, and Visa. If your child’s treatment requires several visits, you will be given an estimate of our fees, and our staff will discuss and make financial arrangements prior to the appointments.

For Patients with Dental Insurance

If we have received all of your insurance information prior to or on the day of the appointment, and we are able to confirm your eligibility, we will be happy to file claims on your behalf.

Payment of your estimated portion of the fees not covered by insurance is due at the time dental treatment is provided.

If your insurance company does not pay the full balance within 45 days, you will be billed the remaining balance. However, if your insurance company pays more than the balance due, we will immediately issue a refund to you.

The accuracy of your insurance information we receive is essential for proper claim filing. We will assist you in estimating your portion of the fees for dental services; however, we can not guarantee what your insurance company will pay on a claim. Please understand that filing your claims is a courtesy our office provides to our patients, but it does not guarantee payment to us. Therefore, you are ultimately responsible for payment of our fees.

Facts Concerning Dental Insurance

No insurance pays 100% of dental care.

Dental insurance is meant to be an aid in receiving dental care. Many patients believe that their insurance pays 90%-100% of all dental fees. In reality, most plans only pay between 50%-80% of the insurance company’s predetermined fee schedule. Some pay more, some pay less. Both the fee schedule and the percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.

Benefits are not determined by the dentist.

You may have noticed that your dental insurer generally reimburses you or the dentist at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary, or reasonable fee (“UCR”) used by the company. A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate. Again, insurance companies set their own fee schedules they consider allowable for the various products (e.g. PMI, Delta DPO, Delta Premier, etc) they provide.

These allowable fees may vary widely among companies and between products within the same company. Generally the higher end insurance products set allowable fee schedules which are more in line with the actual UCR. Unfortunately, for lower end products, insurance companies imply that your dentist is “overcharging” rather than say that they are “underpaying” or that their benefits are low. In general, the less expensive insurance policy will use a lower UCR figure.

Most importantly, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.