Insurance Information

Understanding your insurance coverage can be quite challenging. Our goal is to assist you in maximizing your benefits. We take care of patients from many different companies. Employers pay an insurance premium for specific coverage that fits within their company's budget. Each plan is slightly different in its covered services and the amount that they will pay for those services. Until we file a claim for treatment, we’ll never know exactly how much, or how little, a specific insurance plan will pay. Our commitment remains to recommend and provide that which is always in the best interest of the patient’s health, not what is covered by dental insurance. We encourage you to become familiar with your policy exclusions, deductibles and required co-payments.

Our courtesy service to you includes:

1. Filing your insurance within 24 hours of your visit and requesting payment of your benefit to our office.
2. Electronically filing your insurance for short turnaround.
3. Filing pre-treatment estimates upon request or for certain procedures.
4. Re-filing your insurance a second time within 45 days.
5. Following the American Dental Association and the American Association of Endodontists guidelines for coding procedures and filing insurance.

Our expectations of you as the owner of the policy:

1. The payment of fees not covered by your insurance plan is due at the time the services are rendered.
2. Understanding that the insurance policy belongs to you and we have no leverage to obtain payment from your insurance carrier.
3. Realizing that dental insurance policies restrict payment for some services, use restricted fee schedules (called Usual and Customary Rates) and exclude some procedures based on prior conditions or length of time on the plan. All restrictions are based on the premium paid for the insurance and not our fees or recommended treatment.
4. Taking responsibility for payment if the insurance company does not pay our office within 45 days.
5. Keeping our office informed of any changes in your insurance coverage or employment.