Customer Service:Insurance FAQs

Do you take my insurance?

We do accept most insurance. Please contact the practice to discuss the specific details regarding your insurance.

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My company offers several dental insurance plans, how do I determine which is best for me?

Many things should be considered. Many of us tend to look at the monthly premium and out of pocket expense to base our decisions. This is very important and is definitely part of the determining factor. Another important factor would be to determine how many doctors and location options are available on each plan. Despite low premiums and out of pocket expense, your insurance would not help you if there were no doctors on it.

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What if I don't have a insurance card, can I still be seen?

While it is preferred an insurance card is available to copy for verification purposes, as long as the necessary information can be provided to verify the insurance, a card is not required.

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Why can't I pay my portion after my insurance pays?

We collect your portion at the time of service since sometimes it can take sixty to ninety days for insurance to pay. In the event we have over collected by accident, the account will have a credit balance. We do monitor the accounts monthly and will contact you to determine your preferred method of refund. Please feel free to contact us immediately after you receive notice from your insurance company to call and request a refund as well.

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How much will I have to pay and when do I have to pay it?

We do our very best to ensure that there are no surprises. It is sometimes difficult to determine exactly what your portion to pay will be due to the various plans created between insurance companies and employers. We recommend taking a moment to contact your insurance company or discounted plan when applicable to inquire your cost for the first visit. You will find the general dental codes you may expect in the "my first visit" area. At your initial visit, we will present to you an itemized list of your needs for future visits with the universal dental code. This will give you of an estimated cost for per visit and will list each code that will be billed. This will give you opportunity to verify with your insurance company also. It is expected that we will collect your portion of the fees at the time of service.

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I have two insurances, will I have a portion to pay?

In most cases, we will be happy to file both insurances for you. We will collect your portion to pay from the primary insurance at the time of service. Often with two insurances, the second will not consider payment until they receive notification of payment from the first insurance. This can result in delay of payment up to six months. In any circumstance, we will honor only one discounted fee.

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My insurance will cover a different code than what was recommended, can't you just change the code?

Our mission is to help you achieve the best in dental health and we must report the treatment being performed appropriately in order to avoid insurance fraud.

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If this procedure is necessary, why is it not covered by my insurance?

Insurance Plans as well as discount plans are designed to assist you with cost. These plans are negotiated most commonly between an employer and insurance company at which time it is determined what will and will not be considered a benefit. Even though it may not be a covered benefit, does not mean it is not necessary.

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Why doesn't my insurance cover more of the cost?

Insurance Plans as well as discount plans are designed to assist you with cost. These plans are negotiated most commonly between an employer and insurance company at which time it is determined how much they intend to cover per procedure. We encourage you to discuss these circumstances with your employer's human resource department since in some cases, if it is a common concern the particular procedure may be re-negotiated with the insurance company.

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Does my medical insurance cover any of the cost?

There are some procedures that may be covered by your medical insurance. We are not contracted with medical insurance and would not be aware of any benefit. It is recommended that you contact your medical insurance to determine if any procedure would be covered and the guidelines they require to reimburse you.

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What does "contract" fee mean on my treatment plan?

This is an estimated rate of which we have agreed to offer you per the agreement with your insurance company. We will discount the amount between our full fee minus what your insurance company designates the contracted fee for each procedure code. This results in a significant savings to the patient.

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What is a deductible and maximum?

A deductible is an amount due from the patient for certain procedures before the insurance company will consider payment. A maximum is the total amount the insurance will pay out. Once they have paid the determined amount, they will not pay for any further procedures. The amount of the deductible and maximum as well as the procedures included in each, is determined in the contract between the insurance company and employer.

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Why can't I understand my explanation of benefits from my insurance company?

It can be very challenging to understand exactly what the explanation of benefits means because each insurance designs it differently and many areas have verbiage specific to them. Any time you need help understanding, please contact us so that we may help you.

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Why does my insurance website show you have more doctors than listed on this website?

Many times insurance websites do not offer accurate information when listing doctors. In many cases, changes are made in the main database and are unintentionally forgotten about on the website. We update our website monthly to ensure you have accurate information pertaining to doctors and location information.

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