Financial & Insurance
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Financial Arrangements
We pride ourselves on providing our patients with the finest, most beautiful, longest lasting dentistry possible today. While dental care can seem expensive at times, dental neglect is far more expensive. The old adage “An ounce of prevention is worth a pound of cure” is true in dentistry.
Financial Policy
During a patient’s exam and consultation process, a recommended treatment plan will be discussed, along with the financial aspect of treatment. All payments for services are due at the time of service, unless prior arrangements have been made. If we are submitting insurance claims for you, please be prepared to pay your estimated portion, along with any deductible that may be due. We will estimate your portion to the best of our ability. If you will be submitting your own insurance claims, all payments are due at the time of service.
Insurance
We are happy to submit insurance claims for you as long as the appropriate HIPPA forms are signed. If we are submitting insurance claims for you, we are willing to accept assignment of benefits from your insurance company with the understanding that you are ultimately responsible for any fees not covered by insurance. As explained above, any deductible that may apply and your estimated portion are due at the time of service.
We accept all other insurance as an out of network provider.
In Network vs. Out of Network Explained
“In-network” health care providers have negotiated with your insurance company to accept discounted rates. You will typically pay less with an in-network provider. “Out-of-network” providers have not agreed to those same discounted rates.
For example:
You go to a doctor that’s in-network, and the total charge comes to $300. A discount is applied to that amount for the negotiated rate. The discount is $100. Your insurance company pays $140. You then pay the remainder, which is $60.
If you instead go to an out-of-network doctor, no discount is applied to the total charge. Your insurance still pays $140, and you’ll still be responsible for the remainder, which is $160.
For most dental insurance plans, cleanings exams and X-rays are covered at 100% even out of network, with no copay or just a small copay at time of service. Please contact our office to review your specific plan.