DENTAL INSURANCE - OFFICE POLICY

If we receive all of your insurance information on the day of the appointment, we'll be happy to give you a claim form to submit to your insurance company for reimbursement. Please be familiar with your insurance benefits, as we collect the full amount at the time of your visit. PLEASE UNDERSTAND that we file dental insurance as a courtesy. We do not have a contract with your insurance company. We are not responsible for how they handle claims, or for what benefits they pay. We can only assist in estimating. We do not guarantee what insurance will do with each claim. We are not be responsible for any errors in filing your insurance.

We do not accept Medicaid or any other insurance

FACT 1 - NO INSURANCE PAYS 100%

Dental insurance is meant to be an aid to dental care. Many patients think insurance pays 100% - NOT TRUE. Most plans only pay 50-80% of the total fee. (The percentage paid is determined by your insurance companies' agreement with you/your employer.)

FACT 2 - BENEFITS ARE NOT DETERMINED BY US

Sometimes your dental insurer reimburses at a lower rate than the dentist's actual fee. Insurance companies may state that the reimbursement was reduced because “your dentist's fee has exceeded the usual, customary, or reasonable fee (UCR)” This statement gives the impression that the dentist's fee is unreasonable. This is misleading and inaccurate. Insurance companies set their own schedules, and each company uses a different set of fees. Frequently, this data can be up to 5 years old and setup so they can make a profit. Insurance companies may imply that your dentist is overcharging, but in reality, they may be underpaying or providing a low benefit.

FACT 3 - DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED

When estimating dental benefits, deductibles and percentages must be considered. To illustrate:
Let's say your procedure is $150 and it's covered under the insurances customary fee Subtract your $50 deductible. The plan will now pay 80% of the final $100 Out of a $150 fee they pay an estimated $80 So they won't reimburse you $70 (if the UCR is less than $150 or your plan pays a different percent, then the insurance will cover less) MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.