Patient Information:

Insurance

Our administrative staff deal with many different insurance companies.  Dental insurance is an employee benefit.  It is offered to employees or members through companies, unions and associations.  Dental benefits, however, vary from one plan to       the next.  

Who decides the benefits in a plan?  The company buying it for its employees, such as your employer.  Plans may cover 30 to 80 percent of the cost of dental services.  Most plans allow a certain dollar maxium per year (actual or fiscal) to be spent.  Some plans cover a full range of dental treatment; others exclude such services as periodontics and dental implants.

Most plans base the amount of your benefit on a schedule of fees arbitrarily developed by insurance companies.  So, you may receive less reimbursement than your dental plan appears to promise.  For example, if your plan pays 80 percent of the cost of dental treatment, it may mean 80 percent of the fee chosen by the insurance company, not the actual fee charged by this practice. 

Plans differ in another important way.  Most allow you to choose your own periodontist; others require you to receive care from a limited number of periodontists.  Because we value our relationship with patients, we believe you should have the right to seek care from the periodontist of your choice.

Your treatment will be determined by your dental needs and your general health, not by your dental benefit plan.  It is not in your best interest to compromise your treatment to fit an insurance program's benefits.  We will discuss your treatment plan and dental benefits with you to help you make the best possible decision.

While our administrative staff is happy to assist you in making the most of your dental insurance benefits, please keep in mind that services are rendered to you and therefore you are ultimately responsible for payment.  After 45 days, payment in full is expected from you regardless of any anticipated insurance benefit.  We thank you for your cooperation.   

Co-Payment

Each insurer has its own unique reimbursement policy based on the coverage purchased by the owner of the policy.  Dental plans often reimburse approximately 30%-80% of treatment costs.

Private & group insurance

As a courtesy to our patients with dental and/or medical benefit plans, we will help you 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.