How Dental Insurance Works In Our Office
We are pleased that you have a dental insurance policy and we will do everything we can to help you maximize your benefits every year.
Our office strives to provide the absolute best quality in service and staff to our patients. We feel that one of the key factors in achieving this goal is to remain free of “dental insurance involvement.”
The choice to remain unaffiliated with any dental benefit company is based on this fact: We feel the decision for you to receive the highest quality of treatment, care and materials should not in any way be determined or influenced by an outside body, such as an insurance company.
We remain, therefore, a private practice. You will never enter our reception area and feel or be treated as though you have entered a “dental factory” or that you are being rushed in and out.
It is our hope that all new patients—and those we already know—will appreciate this decision. We realize that in these challenging times, it can be difficult to make a decision for quality over lesser “out-of-pocket” choices, but we are confident that our office will make a positive difference in your oral health and, in fact, your overall healthier lifestyle.
We ask you to keep several important facts in mind:
- You have a maximum coverage per year of typically $1000, $1500 or $2000. When dental co-payment plans began in 1970, they allowed the same amount of maximum payment per year as allowed today.
- We ask that you understand, we neither work for the insurance companies, nor do we wish to. We work 100% for YOU. We want to help you maximize your benefits, but also we do not want to be controlled by insurance companies or the benefits packages they offer.
- Our office does not diagnose, render treatment, or establish fees according to any insurance tables or allowances. Office fees are based on the care, skill, and judgement of the doctor delivering the services, and by the cost of operating a dental office dedicated to excellence. Please remember that we work 100% for YOU
If You Have Dental Insurance
- For the majority of patients, we accept your insurance and will file your claim for you
- As a service to you, we will verify your benefits and estimate as closely as we can what we expect your plan to cover for the services. Most insurance companies will not give us their UCR schedule.
- For certain procedures we will file a predetermination with your insurance company and base your estimate on what the plan states it will pay. There is however no guarantee that your insurance company will pay what it states on the predetermination.
- Patients are responsible for paying their estimated co-pay at the time the service is rendered. If your plan pays benefits only to you or to the policy holder, we will file your claim for you so that you can get reimbursed as quickly as possible. Payment to our office is due at the time of service. Payment can be made with cash, check, MasterCard, VISA, Discover, American Express, Health Savings Account cards, and CareCredit.
- Please read your policy so that you are fully aware of any limitation of the benefits provided. Many routine and recommended dental services are not covered by insurance carriers. In fact, some preventive procedures are not covered at all. There are a number of clauses insurance companies use to deny payment, such as pre-existing conditions and alternate (cheaper) benefits.