Facts Everyone Should Know About Dental Insurance:
We recognize that dental insurance plays a role in helping many patients obtain dental treatment. In our effort to provide the highest quality dental care possible, we would like to share some facts about dental insurance with you.
Many insurance companies use an alternative treatment option which gives them the “right” to pay for a less expensive procedure or material if it is an insurance clerk’s sole opinion that the less expensive procedure is O.K. for you. Amazing!!
Some insurance companies tell you that the Doctor’s fees are above the “usual and customary” fee, rather than saying their benefits are low or below average. The less you get paid after treatment, the more the insurance company profits.
Dental insurance is actually not insurance as most people recognize it. There is no deductible, and the insurance company does not pay a fixed percentage of the bill. It would be correct to call Dental insurance an "annual dental benefit" of $1,000.00 - $1,500.00 provided by employers to employees for preventive and minor needs.
Your annual limit of benefits has not risen in more than 25 years!
Many companies tell you that you are covered for 80-100%, but do not explain that this percentage is based on a daily fluctuating fee schedule that is not published or given to anyone outside of the insurance company - even you.
Many accepted and routine services are not covered by insurance carriers even if these procedures would save the insurance company money in the long run. (i.e. adult sealants or fluoride treatment)
Insurance contract are actually between you and your insurance company - not the Doctor and insurance company. If you do not receive proper reimbursement, your best course of action is to contact the Human Resources person at your company or your insurance company directly.
Electronic Claims Filing
As part of our service to you, we will electronically file each insurance claim with the technical dental language and proper codes at each of your appointments. Since our claims are filed electronically, you should expect reimbursement within 3-5 days. We will do everything we can to make sure you maximize your insurance benefits and get 100% of the benefit you deserve.
Because your health is so important, we can not have our hands tied behind our backs by an insurance company when it comes to your treatment. We are quite proud of the fact that we do not let any HMO or PPO managed care plans dictate even the smallest detail of the treatment you receive by signing contracts with an insurance company. Our only contract is with you!
We realize that every person’s financial situation is different. For this reason, we have worked hard to provide a variety of payment options to help you receive the dental care you want with respect to your monthly expenditures.
For your convenience, the following methods of payment are available:
- American Express
- Visa / MasterCard
- Cash or Personal Check
- External financing up to 60 months*
We extend a 5% courtesy adjustment for all treatment cases over $2,000.00 paid in full prior to treatment.
We will do everything possible to maximize 100% of your "insurance coverage" for you. Simply bring your card with you to your first appointment and never think or worry about your insurance again. Everything is done for you at no additional fee. We simply ask that you take care of your fees at the time of service and your insurance company will directly reimburse you. With our electronic filing of insurance claims you may receive your reimbursement in 3 - 4 days.
*external financing may convey a nominal monthly interest rate.