Financial Help

Payments can be made by cash, check, or major credit card (Visa, Mastercard, Discover)

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Financial Arrangements

It is our desire to make the financial aspect of your dental treatment as straight forward and helpful as possible. As such, it is necessary to implement uniform payment policies for services rendered. Patient payment categories fall into three categories:

Self Pay

Firm financial arrangements are necessary to receive treatment.

For treatment that is completed in one visit or one day, (fillings, extractions, most root canals, denture relines, etc.)...For any treatment that costs less than $500.00, payment in full is needed at the time of treatment.

For treatment or aggregate treatment plans over $500.00

If you pay the entire amount prior to starting treatment, a 5% bookkeeping discount will apply, even if different services are provided on different days.

For treatment that is not completed in one day, and usually involves a laboratory procedure, (new dentures, partials, crowns, bridges, implant restorations, etc.), you have three options:

  1. If you pay the entire amount prior to starting treatment, you will save 5% of the costs with an early pay bookkeeping adjustment
  2. You can pay 1/2 to start and 1/2 at the time of completion
  3. If you want us to use a credit card, but must limit the amount, you can pay 1/3 at the time of completion, and three months payments of the remaining 1/3, but only if we maintain a contract and an imprint of the credit card

Assisted by Dental Benefits

Dental benefits are a wonderful way to supplement the cost of dental treatment. However, dealing with insurance is becoming more difficult, confusing, and disappointing every day. We will file claims for most insurance plans and help you to obtain your benefits. However, we are not contracted with any network type dental policies except for a very few with Delta Dental. Please contact your insurance company to find out whether you are limited to a specific network of dentists. If you are limited to a dental network, we would be considered “outside” of your dental network. Some networks restrict you to only certain dental offices on their list. Other networks will pay different percentages for inside network and outside network. Another term that needs clarified is the word “accept” when it comes to utilizing dental insurance. We will help you to utilize your dental benefits, but will never “accept”your insurance as payment in full or as the final word concerning fees and payment. Our primary concern is providing the best possible care to you, our patient, and not allowing your insurance company to dictate what our standard of care should be, or what our fees for those services should be.

Please be aware that most dental plans do not cover 100% of the cost of your treatment and only allow a certain dollar amount of benefit per year. Because of this, and the extreme delay in receiving payment from the insurance company, you will be asked to pay your deductible and the estimated portion of your charges the day service is rendered. Please remember, this is only an estimate--not a guarantee of payment by the insurance company, and is based on the information available to us from your insurance company. As a courtesy to our patients with dental benefits, we will electronically submit your claim. You must find out and provide to us the insurance company, policy ID number, claims address, phone number, and group information. We will be happy to go over benefits with you to determine approximately how much your insurance company will pay on a given procedure, but the ultimate responsibility lies with you. We offer this estimate as a courtesy to our patients; please accept this as an estimate, and not as a concrete statement. Our fees for dental service will be clear and straight forward, your estimate of dental benefits may be unclear, or imprecise due to confusing limitations, restrictions, waiting periods, exclusions, or existing condition clauses. We strongly suggest that you be aware of what benefits you have available and the services you are eligible for prior to your appointment. If you so choose, we will be happy to provide you with a pre-estimate to submit to your insurance company prior to treatment. We do our very best to determine eligibility prior to your visit but the ultimate responsibility lies with the patient. If you are concerned about insurance coverage on services being performed at your next visit, you should contact your insurance company to inquire about what is or is not covered. We are faced with many different insurance plans and cannot be responsible for knowing each patient's plan inside and out. Do not let policy limitations determine your dental care! You have to live with the outcome of treatment for the rest of your life. Your insurance company is only concerned with paying the least possible amount. Our office is concerned with providing you the best quality of care possible, and we only expect to be fairly compensated. Your insurance company is in business for profit only. They have no concern for your dental health in any way at all. Treatment should be based on an informed decision by you, and not by any limitations of an insurance policy. Professional care is provided to you, the patient, not the insurance company. Insurance companies cannot determine the cost of care. You may have noticed that sometimes your dental insurer reimburses the dentist at a lower rate than the dentist's actual fee. Insurance companies may state your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company. A statement such as this implies that a fee is unusual or unreasonable. This is very misleading and simply is not accurate. Different insurance companies will have different “UCR” fees for the same dental procedure. Any “UCR” is specific only to that particular policy, and is another attempt to limit payment. Insurance companies set their own schedules and use a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from different geographical areas over different periods of time and arbitrarily chooses a level they call the "allowable" UCR fee. If you have any question about the “UCR” of your insurance policy, please request from them in writing specifically how they determine their “UCR” including dates and areas.

Usually dental insurance is a benefit paid by your employer. Different policies may cost more or less to your employer, and there is a large variation in the amounts paid and the usability of different companies. In general, the less expensive insurance policy will result in lower benefits available or will restrict you to a limited number of network dentists. Insurance policies vary in the amount that will be paid toward any given procedure, and the amount that will be paid for a calendar year. The proper relationship between the patient, dentist, and insurance carrier is sometimes misunderstood. We render to you our very best care and charge you a fee for that service. Just as your employer or the insurance companies do not allow us to set their premium rates, we do not allow them to set our fees or determine our procedures. These fees are between you and our office, and the insurance company does not enter into this relationship. Therefore, you have the final responsibility for payment of all fees rendered on your behalf. If your insurance company pays less than estimated, you should take the matter up with the insurance company--not our office. In addition, if your insurance has not paid in 30 days, you are responsible for the balance in full regardless of the corresponding claim. If you have questions or concerns about insurance, please do not hesitate to talk to our business manager.

Dependents with a court ordered guardian responsible for medical expenses

The person who accompanies a minor/child to the appointment is the responsible party for any payment due at the time of service. For unaccompanied minors, non-emergency treatment will be denied unless charges have been pre-authorized before the appointment date or previous arrangements have been made. Marital status is not a consideration under any circumstance. Decreed custody or lack thereof, does not alter financial responsibility. “Bill it to my ex-spouse”is not an acceptable option. It is your responsibility to obtain the payment prior to the time of the appointment, or have the ex-spouse send the payment to the office before the appointment. We look forward to providing quality, timely care to your children.

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