Dental Insurance & Patient Co-Payments
We are not a preferred provider for any insurance company. However, we are a premier provider for Delta Dental. The information given to us by you will determine how and if the claim will be paid. Please keep us up to date with your insurance coverage. Your insurance benefits are a contract between you, your employer, and the insurance company. Insurance submission will be done for you as a courtesy. We are not a party to this contract; please understand that you are ultimately responsible for knowing your benefit coverage along with the payment in full or any part insurance does not pay.
If you have dental insurance that we will be billing for your appointment, please call us with that information prior to your appointment. We will need:
Your dental insurance company name & address
Your subscriber ID
Your group #
The policy holders name & birth date
The policy holders employer (if any)
This allows us time to contact your insurance company and obtain a breakdown of the benefits your employer or you have purchased from the company. In addition, you will want to bring a dental benefit card and/or book that your carrier should be able to provide. Our business team will be happy to help you understand your policy.
Should you be diagnosed with treatment services, we will be able to provide you with a detailed plan which will give you an estimate of how much your insurance company may pay for each procedure, as well as the portion you will be expected to pay at the time of service.
Professional care is provided to you, our patient family, and not to an insurance company. The insurance company is responsible only to the patient as a benefit from the employer or individual plan purchase, and the patient is responsible to the doctor. We will assist you in every way we can in the filing of your dental or medical claim and handling of insurance questions from our office on your behalf.
Your Financial Questions Answered
Why doesn't my insurance cover the treatment you recommend?
It is a great benefit to have dental insurance, and our office staff will make every effort to help you with your particular coverage. However, there are a few things you should know about dental insurance.
Your insurance coverage is dictated by the contract between your employer and the insurance company. Our practice is independent of this contract.
Your benefits do not reflect your specific needs.
The covered amount is dictated by what your employer purchased for their employees.
Unlike health insurance where you have unlimited coverage and your co-payments are standard, dental insurance has different percentages of co-payment depending on the type of services you need.
If dental insurance covered all procedures 100%, the premiums would be too high for employers to afford to offer it as a benefit.
How do I submit an insurance claim?
We do submit claims to most insurance companies, and as a courtesy to you we will prepare and submit your claim to your insurance company.
When necessary we will submit a pre-treatment estimate. Pre-treatment estimates are not always a guarantee of payment from your insurance company.
When do I pay my patient portion?
Your estimated patient portion is due at the time of treatment. After we have submitted the claim to your insurance company, if there is a patient balance remaining or if the claim remains unpaid by insurance, we consider unpaid claims and /or patient balance to be the patients' responsibility.
For your convenience we accept Cash, Checks, MasterCard, Visa, American Express, and Discover Card.
Please contact us if you have questions about your financial situation.