Financial

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Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is administered. Patients without insurance must pay in full at the time of service. Co-pays are required the same day treatment is administered.

Payments in the form of cash, cashier’s check, checks, money orders and credit cards (Visa, MasterCard and Discover) are accepted. Please ask a member of our staff about the low-interest, in-house financing monthly payment plan available through CareCredit.

If special arrangements are needed, please talk to our office manager prior to receiving service.

Insurance

Our office participates in nearly every insurance policy in this area. Additionally, we will submit all insurance claims for you. We will fully attempt to help you receive full insurance benefits; however, you are personally responsible for your account, and we encourage you to contact us if your policy has not paid within 30 days.

Please give us your up-to-date insurance information before the day of your appointment. We ask that you are familiar with your policy as you will be expected to pay the remaining balance that insurance doesn’t cover. We like appointment days to be solely dedicated to clinical matters; all business or insurance matters should be arranged before the appointment day.

Under the law, for any treatment not covered by insurance, the patient can be charged the dentist’s usual fee, not the insurance's contacted amount. Your insurance company pays our office; we will do all that we can to help you receive the maximum benefit under your policy.

No Insurance Plan Pays 100% of All Treatment Procedures
Dental insurance’s purpose is to help you pay for dental care. Many people are under the misconception that dental insurance will pay 90-100% of their dental fees. Unfortunately, that is not true! Most policies pay anywhere between 50-80% of the average fee. Some companies and policies pay more while others pay less. The percentage of your fee that is paid depends on how much you and/or your employer pays for the policy or the type of contract your employer has signed with your insurance company.

Our Office Does Not Determine Your Insurance Benefits
In some cases, your insurance company will reimburse you or our office for less than what you were charged. Insurance companies usually explain that the reimbursement was lower because your dentist has charged more than the “usual, customary or reasonable” fee, also known as the “UCR”.

This claim gives patients the impression that we are overcharging for dental procedures or charging more than what other dentists in the area charge. A statement such as this is deceptive and not true!