Our Financial Policy
Our practice is committed to providing you with the best possible care. Your clear understanding of our financial policy is important to our professional relationship. We believe that good communication is essential to a successful patient-doctor relationship.
Payment in full must be made at the time of services unless other financial arrangements are made in advance. We accept Cash, Check, Mastercard, Visa, American Express and CareCredit.
If you have an insurance plan with which we participate, you will need to provide our staff with your insurance card and necessary information. If there are co-payments and/or deductibles involved with your plan, you will need to pay for these charges at the time of treatment.
We are in the business of providing professional healthcare and are not in the insurance business. Our staff will; however, try to assist you as much as possible in this very trying time of managed care.
Accepted Forms Of Payment
- American Express
PPO Dental Insurance Plans Accepted
Out Of Network Dental Insurance Plans Accepted
Facts About Dental Insurance
As an optimal-care dental practice, we strongly believe our patients deserve the best possible dental services we can provide. In an effort to maintain quality of care, we would like to share some facts about dental insurance with you.
- Your dental insurance is based upon a contract between your employer and your insurance company. Should questions arise regarding your dental-insurance benefits, it is best for you to contact your employer or your insurance company directly.
- Dental insurance is frequently limited to annual maximum benefits. Your insurance company will determine the maximum benefits paid in a given year. While your premiums may have increased over the years, the maximum benefit amount may not have increased proportionally.
- You may receive notification from your insurance company, stating that our dental fees are "higher than usual and customary". To determine benefit amount, insurance company surveys a geographic area and calculates an average fee. This is the fee they refer to as "usual and customary". Depending on your plan, the insurance company pays some percentage of the "usual and customary" fee. Included in this geographic survey are discount dental clinics and managed cost care facilities, which bring down the average fee. The fee-for-service doctor in private practice will often have fees that insurance companies define as higher than "usual and customary".
- Many plans tell their participants that they will be covered "up to 80% or up 100%" but do not clearly specify plan limitations. Limitations include annual maximum benefits, usual customary fees and fee schedule allowances.
- It is more realistic to expect many dental-insurance plans to cover 40%-60% of major services. Remember, the amount a plan pays is determined by how much your employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.
- Insurance companies do not always cover many routine dental services such as preventative care.
Dental Insurance is Never a Pay-All, it is Only an Aid.
If you have any questions regarding your insurance benefits. Please don't hesitate to ask any of us or contact your employer or insurance carrier directly.