Our office has always been happy to work with patients covered by dental insurance. We think insurance is a great incentive to maintain a vital level of dental health. But it is rare,very rare, that dental plans cover 100% of our fees. Here is why.
The fees we charge for dental services are the same for every patient insured or not. A given insurance policy, however, is based on a fixed fee schedule "usual and customary" that may have nothing to do with the real world. Dentistry has changed very quickly, insurance fees schedules have not. After all, insurance companies are profitable businesses, not dental benefactors.
Insurance makes life easier. We will help fill out your claim forms and answer any questions you have. Pre-authorization for major work will tell you the amount of your obligation ahead of time. This way you pay only the estimated percentage of your total bill, that portion not covered by insurance. When payment from your insurance company is received and applied to your account, any balance due will be billed to you, and any overpayment is refunded to you. The only exception is with routine maintenance/recall visits, where you are responsible to us for payment and reimbursed by your insurance company.
For our patients without insurance, we ask that you pay for services on the day they are completed (we do accept VISA, MASTERCARD and AMERICAN EXPRESS). If this is impossible for you, we can work out alternative financial arrangements that suit us both. The way we see it, there is always a way to get the help you need.
We also accept CareCredit.