We get
many questions concerning the types of insurance
accepted in our office. For the record we accept any
insurance that lets you choose your
own dentist. We are happy to complete your claim
forms and submit them to your insurance company. In most cases,
the claims will be transmitted via computer modem
before the end of the treatment day! We will
initially ask you only for your estimated co-payment.
Remember, this is only an estimate,
and is based on the information available to us
about your plan.
The range
of benefits of your plan depends entirely on what
your employer purchases.
Some plans cover as little as 30% while others as
much as 100% of dental services.
Some
plans base the amount of benefit on a schedule of
fees arbitrarily developed the insurance
company. For this reason, the
insurance company may pay a lower percentage than
the reimbursement level indicated in your dental
plan. For example, your plan may state that it will
pay 80% of the cost of a specific treatment.
However, if the company is using a schedule of fees
it really means the company will pay 80% of this
arbitrarily determined fee and not the
actual fee charged by our office.
The
financial obligation for dental treatment is between
you and our office. The insurance company has a
contract with you, not our office.
However, we will do what we can to see that you
receive the dental benefits for which you are
entitled. Once your carrier has paid the
claim, any difference will be due upon receipt of
our statement. If, for any reason, we have not
received your insurance payment 90 days
after the claim, the remaining balance will be due
and payable by you.
