Financing Your Care
In our office, we offer high quality care and payment options that work for all of our patients. Below you will find a list of insurance and payment plans that we accept. If you don’t see your preferred method on our list, please call our office to find out what other options may be available to you.
Dental insurance can be confusing and hard to understand at times with regards to what procedures are covered and at what percentage rate. We estimate the out of pocket expenses based on the information we are given when your insurance is verified. Keep in mind, this is only an estimate. Nothing is guaranteed until we receive the payment from your insurance company.
Here’s a breakdown of how private dental insurance works.
- Some dental insurance policies have a waiting period ranging 6-12 months before any standard work can be done. This will be verified with your insurance company to make sure that has been satisfied.
- An insurance deductible is the minimum amount that must be paid before the insurance company pays for anything. For example, if your deductible is $50 and the insurance covers your procedure at 80%, the insurance does not kick in until the $50 is paid. This deductible is good for the entire year, then it will renew again on the policy renewal date.
- Once the deductible is met, most policies only cover a percentage of the remaining costs. The remaining balance of the bill paid by the patient is called co-insurance, which typically ranges from 20% to 80% of the total bill. If we are out of network with your plan, the actual percentage of co-insurance may be a little higher if they don’t cover that percentage of our fees, but in network they will cover the percentage amount based on our contracted rate.
- The majority of all dental plans have a yearly maximum. They typically range from $750-$2500 per year. Once the yearly maximum is reached, patients must pay for 100% of any remaining dental procedures. Like the deductible, this annual maximum will renew on the policy renewal date.
We do our best to give you the most accurate estimate you will owe for your treatment plan. Sometimes, there may be a balance after your insurance pays, however, sometimes they pay a little more than estimated and you will receive a refund. Keep in mind, the patient is ultimately responsible for all fees for the dental services provided.
Dental insurance plans we are in network with:
- Delta Dental Premier
- Dental Health Options / Health Resources Inc.
- Cigna Dental DPPO
- Cash Discount: Pay upfront with cash and receive a discount.
- Check or Credit Card: Always accepted.
Please note: Payment is due at the time of service.
As a courtesy to you, we will bill your insurance company and track claims. Please keep us informed of any changes to your insurance plan. You are responsible for the fees charged by our office, no matter what your insurance coverage may be. Most insurance companies should respond to the claim within four to six weeks. Any remaining cost is your responsibility.
We are here to help! Please call for more information about financing your oral health needs in our office!