Insurance & PPOs
Payment is due when dental services are provided. When necessary and as a courtesy to you, we will bill your insurance company for their portion. We accept cash, checks, VISA, Mastercard, or Discover. An alternative, Care Credit, is a healthcare credit system which allows interest free payments for up to one year. Applications are available online at www.carecredit.com or from our financial coordinator. We give a 5% discount for patients without dental insurance who pay with cash, check, debit card, or credit card.
Receiving all of your child’s insurance information prior to the first dental visit will help us determine that you have coverage for your child and will assist us in determining what your benefits might be. You should be familiar with your insurance benefits, as we will collect any out of pocket amounts the day of the appointment. By law, your insurance company is required to pay each claim within 30-45 days of receipt. We file all claims electronically so the insurance company will receive each claim within 1-2 days. You are responsible for any balance on your account after 60 days, whether insurance has paid or not. We will send you a refund if your insurance pays us.
Myth #1: Insurance pays 100% of all procedures.
Dental insurance is meant to be an aid in paying for dental care. Many patients think that their insurance pays 100% of all dental fees. This is not always true. When a dentist is a PPO or participating provider, the dentist has signed a contract with that insurance company to accept their dental fee schedule. There will still be frequency limitations, percentages, deductibles, and/or non-covered services. Your dental plan may offer an alternative benefit for non-covered services. This information is not always made available to our dental office. It is your responsibility to understand your insurance because your dental plan is a contract your employer has chosen and is between you and the insurance company. We will be glad to assist you in estimating your portion of the cost of treatment. We cannot guarantee what your insurance will or will not cover with each visit.
Myth #2: Out of network insurance won’t pay.
You may notice that your dental insurance reimburses you or the dentist at a different percentage or lower rate than the dentist’s fee. This is because insurance companies set their own fee schedule based on information gathered from claims they receive. Since your insurance company may cover a wide area, their coverage may not reflect our dental fees. In most cases there will be a co-insurance amount, percentage, and/or deductible that you will owe. This information is not always made available to our dental office. We can assist you in estimating your portion of the cost of treatment. We cannot guarantee what your insurance will or will not cover with each visit.
Myth #3: I have coverage, so insurance will pay.
Your child may have coverage for the date of service; however, the insurance company may not pay a dental claim because they need to verify demographic information or other insurance information. Verifying that your insurance company has received updated demographic information, other insurance information, correct name spellings, and correct dates of birth will encourage prompt payments. We rely on you to provide us with ALL insurance information, primary and secondary, new ID numbers, new employers, and all subscriber information.
PPO Insurance Plans
We participate with the following insurance companies as a PPO provider.
Ameritas – Principal, Standard Insurance Company
Blue Cross Blue Shield
If you are unsure of benefits or network availability, please contact your insurance company.