Children Ages 4 - 10
We recommend that preschool children are seen in the morning because they are more relaxed, we are able to work more slowly with them and make them more comfortable. School age children with extensive treatment needs are seen in the morning for the same reason. Excused absence forms explaining that dental treatment is medically necessary will be provided. We can keep missing school to a minimum when regular dental care is continued.
Children Ages 11 - 18
Children in higher grades will be given preference for appointments in the off school hours, as they cannot miss school as easily as younger children.
Please recognize that we try to accommodate as many children in the off school hours as possible. Excused absence forms explaining that dental treatment is medically necessary will be provided.
Since appointed times are reserved exclusively for each patient we ask that you please notify our office at least 2 days in advance if you are unable to keep your appointment. Another patient, who needs our care, could be scheduled if we have sufficient time to notify them. We realize that unexpected things can happen, but we ask for your assistance in this regard.
Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and gives your child the best possible care. We accept cash, personal checks, debit cards, Care Credit financing and most major credit cards.
If we have received all of your insurance information on the day of the appointment, we will be happy to file your claim for you. You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. Your insurance company is required to pay each claim within 30 days of receipt.
Additional Insurance Information
We file all insurance electronically, so your insurance company will receive each claim within days of the treatment. You are responsible for any balance on your account after 30 days, whether insurance has paid or not. We will be glad to provide a credit or send you a refund if insurance overpays.
Please understand that we file insurance claims as a courtesy to our patients. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee how your insurance will process each claim. We also can not be responsible for any errors in filing your claim. Once again, we file claims as a courtesy and will be happy to assist you through this process.
Most importantly, please keep us informed of any insurance changes that may affect your claim such as policy name, insurance company address, or a change of employment.
NO INSURANCE PAYS 100% OF ALL PROCEDURES
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage, or the type of contract your employer has set up with the insurance company.
BENEFITS ARE NOT DETERMINED BY OUR OFFICE
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or allowable fee (UCR) used by the company.
A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable, or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.
Insurance companies set their own schedules, and each company uses a different set of fees they consider allowable. These allowable fees may vary widely, because each company collects fee information from claims it processes. The insurance company then takes this data and then chooses a level they call the "allowable UCRï¿½ fee. Frequently, this data can be many years out of date as these allowable fees are set by the insurance company.
Unfortunately, insurance companies imply that your dentist is "overcharging", rather than say that they are "underpaying", or that their benefits are low. In general, the less expensive insurance policy will use a lower UCR figure.
DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for a service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular service. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.