Financial Policy

Finances

Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan that fits your timetable and budget, and gives your child the best possible care. We accept cash, debit cards, Visa and MasterCard. There is a $50.00 charge for checks returned by your bank due to insufficient funds.

Minor patients

The parent or guardian accompanying the minor is responsible for full payment. In the case of divorces or separated parents, the parent accompanying the child is responsible for payment at that visit.

Insurance

If you have provided all of your insurance information on the day of appointment, we will file your dental claim for you. We request that you become familiar with your insurance plan and be prepared to pay the amount that your insurance will not cover since we will collect your estimated portion. This is the estimated amount your dental insurance is not expected to pay. By law, your insurance company is required to process each claim within 30 days of receipt. All claims are filed electronically, and your insurance company will receive each claim within days of treatment. Please understand that we file dental insurance claims as a courtesy to our patients. We do not have a contract with your insurance company, only you do. We cannot be responsible for how your insurance company processes your claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment. When a dental claim is unpaid due to policy termination, the member is responsible for the unpaid balance.


No Insurance Pays 100% of all Procedures

Dental insurance is meant to be an aid in receiving dental care. Many of us think that insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. The percentage paid is determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.

Benefits are not Determined by our Office

Your dental benefits are based on the policy purchased by you or your employer. Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. These allowable fees vary widely because each company collects fee information from claims it processes.

Deductibles and Co Payments Must be Considered

When estimating dental benefits, deductibles, percentages and co payments must be taken in to account. All these add to the total cost of dental treatment fees that must be paid by the patient.