Insurance Policy
We have gone to great lengths to bring high-quality and affordable dental care to you.
List of dental insurances we accept:
Aetna, Anthem, Blue Shield, Cigna, Delta Dental, Guardian, Humana, Liberty Mutual, Lincoln Financial, MetLife, Mutual of Omaha, Principal Mutual, Tricare, United Concordia, United Health Care
We advise that our patients inquire with their insurance company regarding the dental benefit and coverage, co-payment, and deductible information outlined in their policies. Patients are required to pay all deductibles and co-payment percentages, as specified in their policy, at the time services are rendered. Literally, there are thousands of insurance companies, and their payment policies can change , therefore it is impossible to give you a guaranteed quote at the time of service. We accept most dental insurances and will do our best to verify and estimate insurance coverage and your payment portion, however it is only an estimate. Therefore, any balance left unpaid by the insurance company is the patient's responsibility.
As a courtesy, we will calculate the estimated payment for services rendered and submit it to your insurance carrier. However, we cannot be responsible for the actual payments made by your insurance carrier. You are required to make payment of full estimated responsibility upon services rendered. After payments are received from your insurance carrier, you may be required to make additional payments or have a credit issued to you. Also, a pre-estimate is sometimes needed to be submitted to your insurance company for review and approval before treatment begins. That is because benefits are not guaranteed and are based on claimants eligibility at the time of the service. Insurance benefits will be coordinated to get your maximum allowable benefit.
We will file and bill your insurance as a courtesy. We can not be responsible for actual payments made by your insurance carrier. After payments are received, you may owe more money, or have a credit which would be reimbursed to you. After 60 days, we reserve the right to request payment in full for our services from you, and let you collect the insurance funds that are due to you. This is rare, but it is important that you recognize that the insurance you have is a legal contract between you/your employer and your insurance company. Our office is not, and can not be a part of that contract. Ultimately, you are responsible for all charges incurred in our office!
Also, it is your responsibility to investigate whether or not your insurance is on our network list held by your insurance company. If not, you will be financially responsible for the service fee rendered. Our office charges what is usual and customary to our area. You are responsible for payments, regardless of any insurance company's arbitrary determination of usual and customary rates. We also will assume a $50 deductible unless otherwise indicated. In some occasions, an insurance coverage/benefit may not be the best treatment option. After the doctor has explained all your possible treatment alternatives, nature of procedures, advantages and disadvantages, required appointment time and cost, you may choose a treatment which may not be covered by your insurance carrier.
Note: please inform the office, if there are any changes in your insurance coverage.
At all times, you can be confident that we will always provide you with our best services and recommend any treatment you may need without regard to the limitations imposed by your insurance coverage. To do otherwise would violate our moral obligation to provide you with the best dental care and help you achieve your best dental health.
Click here for more information regarding payments and dental financing at our office.
