Insurance & PPOs

FINANCES

Payment is due when dental services are provided. When necessary and as a courtesy to you, we will bill your insurance company for their portion. We accept cash, check and major credit cards. An alternative, Care Credit, is a healthcare credit system which allows interest free payments for up to one year. Applications are available online at www.carecredit.com or from our office manager. We give a 20% discount for patients without dental insurance who pay in full at the time of service with cash, check, debit card, or credit card.

If you have questions regarding a refund after receiving and explanation of benefits (EOB) from your insurance company, please call our office.

INSURANCE

Receiving all your child’s insurance information prior to the first dental visit will help us determine that you have coverage for your child and will assist us in determining what your benefits might be. You should be familiar with your insurance benefits, as we will collect any out of pocket amounts the day of the appointment. Please note, you are responsible for any balance on your account after 60 days, whether insurance has paid or not. We will send you a refund if your insurance pays us.

Myth #1: Insurance pays 100% of all procedures.

Receiving all your child’s insurance information prior to the first dental visit will help us determine that you have coverage for your child and will assist us in determining what your benefits might be. You should be familiar with your insurance benefits, as we will collect any out of pocket amounts the day of the appointment. Please note, you are responsible for any balance on your account after 60 days, whether insurance has paid or not. We will send you a refund if your insurance pays us.

Myth #2: Out of network insurance won’t pay.

You may notice that your dental insurance reimburses you or the dentist at a different percentage or lower rate than the dentist’s fee. This is because insurance companies set their own fee schedule based on information gathered from claims they receive. Since your insurance company may cover a wide area, their coverage may not reflect our dental fees. In most cases there will be a co-insurance amount, percentage, and/or deductible that you will owe. This information is not always made available to our dental office. We can assist you in estimating your portion of the cost of treatment. We cannot guarantee what your insurance will or will not cover with each visit.

Myth #3: I have coverage, so insurance will pay.

Your child may have coverage for the date of service; however, the insurance company may not pay a dental claim because they need to verify demographic information or other insurance information. Verifying that your insurance company has received updated demographic information, other insurance information, correct name spellings, and correct dates of birth will encourage prompt payments. We rely on you to provide us with ALL insurance information, primary and secondary, new ID numbers, new employers, and all subscriber information.

PPO INSURANCE PLANS

We participate with several insurance companies as a PPO provider. Please check with our administrative team to determine the status of your insurance.

If you are unsure of benefits or network availability, please contact your insurance company.