Finances
We are in network with majority of the dental insurances, and we will file the claims on patient’s behalf. We try our best to get your benefits covered by the insurance, but the deductible and copay are always your responsibility.
Payment for professional services is due at the time of service. This includes deductibles and co-insurance. We accept cash, personal checks, and most major credit cards. Click to Make a Payment.
Insurance and Coverage Related FAQs:
What is the difference between Insurance Carrier and Insurance Plan?
Insurance-Carrier: The insurance companies e.g Metlife, Delta Dental, BCBS, Cigna, Humana, Aetna, Ameritas, United Concordia, United Health, SunLife, Guardian, Principal , Standard are some of the major carriers.
Insurance-Plan: Each of the above carriers have multiple plans under their umbrella. The plan dictates the benefits/insurance premium. Premier PPO, PPO, HMO and Advantage are some of the examples of plans that different Insurance-Carriers offer.
A dentist may be in network with your insurance but may be out of network for your plan. Some plans have limited providers on their preferred list.
What is the difference between Deductible and Copay?
Deductible: The amount you pay for covered dental services before your insurance plan starts to pay.
Copay/Coinsurance: Percentage of cost of a covered benefit that is your responsibility (after deductible is paid).
What does my dental insurance cover?
Your coverage is negotiated between you, your employer and the insurance company, we do not control it.
All plans pay the full cost of certain preventive benefits even before you meet your deductible. You have paid or are paying this with your premium so please utilize the preventive care. This also helps to identify the problems early and reduce the cost of treatment.
As a preferred provider in-network with your insurance plan we offer the contracted pricing. Your benefit is dictated by your plan and the insurance is only a career for the plan.
We need time to verify your benefits, if you complete the paperwork ahead of time, it helps us get more information on your benefits.
What is my out-of-pocket cost for the treatment?
You can call your insurance carrier directly to know the benefits of your plan. Our office can also assist you and provide an approximate breakdown of the charges.
What if my Insurance Plan denies a payment?
Based on the accuracy of the Insurance information provided by patient, our office can confirm the coverage and benefits ahead of the treatment provided. However, any denied payments will be patient/guardian’s responsibility.
How to find an in-network Provider?
You should check your insurance website to find your preferred provider list. A provider may be in network for a particular insurance, but your plan may be out of network for that office. Some plans do not differentiate for in network or out of network benefits.
What if we are out of network for your insurance plan?
The insurance plan has a maximum allowable for out of network providers which is not based on the office fee. In this situation you are responsible for the deductible and copay based on maximum allowable and not the total fee for the office. So practically your out-of-pocket cost will remain unaffected.
As a healthcare provider we have a responsibility to the community. To maintain the standard and quality of care we are unable to sign up with some plans. But to improve the access to affordable dental care we have adopted this policy for out of network plans.
