Insurance and Payment Policies   

In order to facilitate access to the very best dental health care possible, you may choose to pay for services at the time they are rendered with cash, personal checks, or credit cards, and insurance. We accept most credit cards, and we are a Delta Premier Insurance provider. In addition, we file almost all dental insurance plans. Financial plans are available if openly discussed before treatment.

It is our pleasure to assist you in maximizing your insurance benefit by completing and submitting patient claim forms. Deductibles and co-payments are estimated by our staff and are payable at the time services are rendered. Normally, we wait forty-five days after the insurance is filed to receive the balance due from the insurance company.

If for any reason, the insurance company does not pay within the 45 days, the entire balance is due and payable by the patient or responsible party. (parent-guardian-spouse) If we overestimate and collect too much deductible or co-payment, we will promptly refund the excess. If we underestimate the deductible or co-payment, we expect it to be promptly paid to us.

Some plans base the amount of benefit on a schedule of fees arbitrarily developed by insurance companies. For this reason, you may receive a lower percentage than the reimbursement level indicated in your dental plan. For example, if your plan states that it will pay 80% of the cost of a specific treatment, it means 80% of the fee arbitrarily determined by the insurance company and not the actual fee charged by our office.

Our office will refile, write explanations, send documents, or do anything we can within reason to help patients to get slow-paying insurance companies to pay, but after forty-five days or sooner, if all reasonable appeals are exhausted and a claim is rejected, all balances are due.
Financial obligation for dental treatment is between you and our office. The insurance company is responsible to you, and not to our office.

Because of our strict payment policy, we strongly recommend predetermination for expensive treatment, so patients know what to expect from their insurance companies. Any request to deviate from the above policies must be made well in advance of treatment. We appreciate special circumstances, but we do not like to have them forced upon us after the fact.