Insurance Information

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Our insurance coordinators deal with many different insurance companies. Some companies offer many different dental and medical plans. These companies can change benefits, co-pays, and deductibles many times throughout the year. We do our best to provide you with accurate coverage estimates based on information available to us. At times, it is almost impossible to accurately estimate a patients insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. Dealing with these companies can be difficult and time consuming. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance is current.

Although we will gladly file a claim on your behalf, you may wish to submit the claim yourself. In general, insurers process claims filed directly by patients faster than those filed by the service providers (dental offices).

We must emphasize that as dental care providers, our relationship is with YOU not your insurance company. Further, most dental insurance policies are limited and often only pay for a portion of the procedure(s) that may need to be done. We do not recommend nor render our services on the basis that insurance companies will accept or pay all our fees. Each fee is individual for the patient. While the filing of insurance claims is a courtesy that we extend to our patients, all charges are your responsibility from the date the services are rendered. If questions arise, we encourage you to contact us promptly for assistance in the management of your account. You are responsible for all fees not paid by your insurance company.

Co-Payment

The majority of dental plans reimburse approximately 30-80 percent of treatment costs. With this in mind, we ask that 20 percent of the fee, or the estimated co-payment, be paid at the time of treatment.

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HMO Patients

If a patient comes to us with a problem that they expect to be covered by medical insurance (biopsies, tumors, TMJ, infections), they must have a referral from their primary care physician. A referral from a dentist is not adequate for medical insurance coverage. Obtaining a medical referral is the patient’s responsibility. We cannot obtain the referral for you and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.

Private & Group insurance

As a courtesy to our patients with medical and/or dental benefit plans, we will submit necessary claim forms, receipts, and other information to your insurance company.

Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.