Insurance and Payment Information
Usually, payment for services is due at the time they are provided. However, financial considerations should not be an obstacle to obtaining dental treatment. We understand that different people have different needs in fulfilling their financial obligations. We can help arrange a payment schedule. Please see Financial Options below.
Financial Options
- Cash, money orders and personal checks.
Pay your obligation at each visit and receive a 5% courtesy discount. - MasterCard/Visa and Discover.
Pay your obligation at each visit and receive a 5% courtesy discount. - CareCredit - the monthly payment plan we offer for balances of $300.00 or more. With CareCredit:
- Approval usually only takes a few minutes
- NO Interest Payment Plan up to 12 months
- Low Interest Extended Payment Plan that allows more time to pay off the balance
- No annual fees or prepayment penalties
- Begin treatment immediately
- Talk to Lora for an application
To apply online and find out more, go to: carecredit.com/patients/whatis.htm.
Balances Due
Balances over 90 days will incur a finance charge of 13.2% APR.
INSURANCE REIMBURSEMENT
It is our pleasure to assist you in maximizing your insurance benefit by completing your claim forms. If your carrier is capable, your claims will be submitted electronically via computer modem before the end of the treatment day! As a courtesy, in addition to filing your claims, we will initially ask you only for your estimated co-payment. Please understand that this is only an estimate, and is based upon the information available to us.
The range of benefits depends solely on what your employer wishes to purchase. Some plans cover as little as 30% or as much as 100% of dental services, with most falling in the 40% to 80% range.
Some plans base the amount of benefit on a schedule of fees arbitrarily developed by insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your dental plan. For example, if your plan states that it will pay 80% of the cost of a specific treatment, it means 80% of the fee arbitrarily determined by the insurance company, and not the actual fee charged by our office.
The financial obligation for dental treatment is between you and our office. Your insurance is a contract between you, your employer and the insurance company. We are not a part of that contract. We will assist you in any way that we can by filing your claims and working to obtain your maximum available benefits. Once your carrier has paid the claim, any difference will be due upon receipt of our statement.
If you have any questions concerning the above information or are uncertain regarding insurance information, please do not hesitate to discuss it with Lora.