Insurance can be very confusing. We are happy to assist you in maximizing your benefits but your insurance is a contract between you, your employer and the carrier. We are a third party.
This is were the confusion may begin. Some patients believe that the filing, tracking, and collection for their insurance rests solely on the medical or dental office. The ADA, AMA, your HR person and even your carrier will confirm that this is your insurance and you are the responsible party. Despite this we will file your claim as a courtesy and use reasonable measures to track and follow-up. We also do pretreatments, check by phone and website to verify and gain information to assist you. We suggest that you also research this information. Your HR department is your best source of information as they deal with your policy and benefits.
We ask that you provide your accurate insurance information at your initial visit. We will file your claim at our expense as a courtesy. We will try to obtain as much information about your plan as the carrier will allow. After 30 days have elapsed we will research and re-file this claim. At 30-45 days, we will send you a letter informing you of the problem and ask that you become involved with your insurance company. At 60 days we ask that you satisfy the balance. We will re-file or appeal without any expense to you, but direct the monies to you as you have met your obligation to us. In the unfortunate event, this account reaches 90 days. We will call or inform you of a final notice. On the 97th day we will reluctantly forward this to our agency for collection purposes. We are always happy to work together as your partner to solve these challenges that are becoming greater.
As a convenience to you, our office will submit charges for service to your insurance carrier, but we consider the patient primarily responsible for the account. In other words, the service provided by any dentist amounts to an agreement between the patient and the office. The insurance relationship constitutes an agreement between the carrier and the patient. Please remember that no insurance company attempts to cover all dental costs. Some companies pay fixed allowances for certain procedures and others pay a percentage of the charge. Some plans cover as little as 30% or as much as 100% of dental services, with most falling in the 40% to 80% range. It is the patient's responsibility to pay any deductible amount, co-payment, or any other balance not paid for by the insurance company. As a courtesy, in addition to filing the claim, we will initially ask you only for your estimated co-payment. Please understand that this is only an estimate, and is based upon the information available to us. If there is a problem regarding your account, our business staff will be happy to speak with you, your insurance company, or even your insurance company's representative. If for anyreason, we have not received your insurance carrier's payment 90 days after the claim was submitted, the remaining balance will be due and payable by you, and subject to 18% APR.
A prepayment courtesy of 5% (10% if Senior Citizen, over 65) will be subtracted from the total patient obligation (not from any portion due from insurance company) if the patient obligation is paid in full at the first treatment visit.
With fast approval over the phone from Care Credit, your payments can be much lower than those available through our office. Care Credit offer special financing options from 6 to 24 months. And, longer term plans for up to 60 months. We will assist you in contacting them from our office or you can visit www.carecredit.com.
Total patient obligation may be divided as follows: 50% due at the first treatment visit, with the remaining balance split into two equal payments, due on the second and third appointment. For any fees under $600, the full amount is due at the initiation of any procedure.
You can choose to keep your signature on file for either a one-time authorization or for continuous authorization to cover any unpaid balance after the insurance payment for any treatment performed in this office.
In order to facilitate access to the very best health care possible you may choose for any of the following (including any combination thereof): Cash, Visa, Mastercard, Personal Checks, or Care Credit (see above). Balances over 60 days will incur a finance charge of 18% APR.