Office Financial Policy
We try to make your dental care as cost-efficient as possible. One measure we have taken to keep cost down is to minimize our billing and accounting; therefore, we ask for payment at the time of service. Financial arrangements must be established before we can proceed with recommended treatment.
Our team feels strongly that the recommended dental procedures you choose will be one of the most valuable financial investments you can make. We are dedicated to providing the most comprehensive quality care available. We understand financial pressures and strice to make the treatment you need affordable by keeping our fees reasonable and working with your insurance.
How Dental Insurance Works
- Dental insurance is a contract between your employer and a dental insurance company, unless you have an individual plan. Individual plans are something you select as the patient and it is between you and the dental insurance provider.
- Dental insurance, generally, does not pay all the costs of treatment.
- Any amount not covered by insurance is the patient’s financial responsibility to the dental office at the time of service.
- At the time of service, the patient’s portion of the payment responsibility is only as estimate. The amount of the patient’s precise financial responsibility is determined by the dental insurance company after the claim has been filed. A final explanation of benefits (EOB) is issued to the patient from the insurance company. Most questions regarding your EOB are best directed to your insurance company.
- Our office is happy to file the dental claim on behalf of the patient, for the insurance company’s service benefit. The terms of the insurance are between you, your employer and your insurance carrier. The dental office has no control or influence regarding the coverage you receive from your insurance carrier.
- There are hundreds of variations in what dental insurance plans pay.
- Some dental plans require a deductible to be paid before insurance coverage begins for certain types of dental work.
- Most dental plans have a maximum amount per year that they will pay for dental services. Once that limit has been reached, the patient is responsible for full payment of services until the plan renews.
- The dental office has limited resources in determining your personal, specific coverage. In order to be financially prepared for your dental visit, you need to know your dental benefits. Ask your HR contact at work, look online or call your insurance company to get the details of your policy.