Our practice accepts most major insurance plans
Our office staff is always available to help you with insurance claims and paperwork. We’ll work with your insurance provider to make sure your coverage meets your needs and your budget.
Please let us know if you have any questions about your insurance coverage.
AS OF 6/26/2018, WE WILL NOT BE IN NETWORK WITH AETNA.
AS OF 7/30/2018, WE WILL NOT BE IN NETWORK WITH CIGNA.
Our goal is to provide the finest care and treatment to all our patients, at a reasonable cost, and in a safe, clean, comfortable, and friendly environment. All charges you incur for any treatment provided to you are your responsibility regardless of your insurance coverage.
As dental professionals, we will always recommend treatment based upon your dental needs and not on insurance coverage. Although we are willing to submit dental claims on your behalf, we do not accept responsibility for the outcome of the transaction. Completing insurance forms is a courtesy we extend in an effort to save you time and facilitate payment to our practice from your insurance company.
Though our practice processes the insurance forms, it is vital that the patient and/or responsible party understand that this does not eliminate your financial obligation.
COVERAGE AND BENEFITS: Dental plans are designed to share the cost of dental care. Please be aware that dental office staff cannot always answer specific questions about your dental benefits, or predict the level of coverage for a particular procedure, because dental plans written by the same benefits company or offered by the same employer may vary according to the contracts involved. It is the patient’s responsibility and/or the responsible party to understand the coverage and benefits of your specific dental plan.
ELIGIBILITY: The insurance company does not notify this office regarding eligibility. It is the patient’s responsibility to notify this office of any new dental plan, termination, or any changes to your dental plan.
INSURANCE MAXIMUM: This is the maximum dollar amount the insurance company will pay toward the cost of ALL dental care incurred by an individual in a specific period, usually in a calendar year. Please be aware that any amount that goes over the maximum is the patient’s responsibility. You should contact the insurance company for the correct insurance maximum remaining on your dental plan before your appointment to ensure there are enough benefits available for the services.
******If you have been referred to a specialist (endodontist, periodontist, oral surgeon, orthodontist, etc., it is YOUR responsibility to bring your EOB (explanation of benefits) from the services performed to our office at your next appointment so we can update your maximum used in our system.******
PREDETERMINATION: If the cost of a service is expected to exceed $300, you can ask our front office staff to submit a pre-treatment estimate in advance of treatment. It will return to you in about 30 days as well as to the dentist with an indication of coverage, how much will be paid by your plan, and how much is your responsibility.
PATIENT PAYMENTS: Any patient payment portion (patient co-payment and any deductible) is the patient’s responsibility, and this amount will be collected when services are rendered unless prior financial arrangements have been made.
CO-PAYMENT: Most dental plans will only pay a percentage of the contracted fee for a covered service, and the patient and/or responsible party is responsible for his or her percentage portion. This means the insurer and the customer both pay some of the charges for dental work covered by their plan.
MAXIMUM ALLOWABLE FEE: This is a compensation arrangement in which a participating dentist agrees to accept a prescribed sum as the total fee for one or more covered services. An adjustment will be made when we receive the EOB from the insurance for any difference between our charge and the maximum allowable fee on covered services for a participating provider.
* Updated 3/09/2016 * This is an explanation of dental coverage and benefits for the average dental plan at our office, which may differ from your plan but it is being provided for patient educational purposes ONLY.