We accept most dental insurance plans. We accept some managed care plans, but you still may qualify for benefits through these plans and we will be more than happy to help you file your claim to receive the maximum benefit your insurance company will allow. We do require you to pay your deductible and co-payments at the time of service. Please keep in mind, your dental insurance is a contract between you and your insurance company. Fees for services performed but not covered or paid for by your insurance company are your responsibility.
Things You Should Know About Dental Insurance:
Dental insurance has played a role in helping people obtain better care. Since we strongly feel that our patients deserve the best possible treatment we can provide, and in an effort to maintain the highest quality of care, we would like to share some facts about dental insurance with you.
Fact # 1
Dental insurance companies do not intend for their plans to cover all expenses. Their plans serve only as an aid toward acquiring better care for their client as well as maximizing their profits.
Fact # 2
Many dental plans tell their insured that the will be covered “up to 80% or up to 100%.” In spite of what you are told, most dentists find that the majority of plans cover about 30% to 40% of the average fee. Some plans pay more-some pay less. The amount your plan pays is determined by how much your or your employer paid for the plan. The less that is paid for the insurance, the less you benefit.
Fact # 3
Many dental services are covered a specific number of times in a calendar year (for example, cleaning appointments may be covered only once every six months).
Some insurance companies tell their clients that “fees are above the usual and customary” rather than saying to them “our benefits are too low”. In our office, we do not view our patients as “usual and customary” but as quality people who expect quality dentistry. Remember, your insurance benefit is limited by what you and your employer pay for the plan less the profits of the insurance company.
Please do not hesitate to ask any questions about our office policies. We want you to be comfortable in dealing with these matters and we urge you to contact us if you have any questions regarding our service and / or fees. We will fill out and file insurance forms at no charge as a courtesy to you. We will do all we can to assure you of maximum benefits, but bear in mind that the insurance company is responsible to you and you are responsible to us for your account. We cannot render service on the assumption that the charges will be paid by the insurance company.
If you have any questions regarding your insurance, we ask that you contact your employer or insurance carrier regarding the specifics and details of the plan it is conducting on your behalf.