Financials. Multiple ways to pay...
It is our primary goal and responsibility to help our patients obtain good dental health. We wish to direct our time and energy toward obtaining that goal. We have prepared this letter so that you may be aware of our financial policy. Payment options include the following:
- Personal checks
- Visa, MasterCard, Discover and American Express
- Care Credit
Payment in full is expected at the time of treatment. Patients with dental insurance must provide accurate and complete insurance information. We will be happy to file for your insurance benefits as a courtesy to you. The estimate that we give you and collect the day of the procedure is only that, an estimate. Dental insurance plans vary and it is our courtesy to estimate as close to possible the amount owed by the patient and the insurance company. It is not uncommon for insurance companies to change covered procedures, fee schedules and reimbursement rates, resulting in additional amounts owed by the parents/legal guardian.
Although rare, some insurance carriers will not reimburse our office directly. In such instances, you will be responsible for the full cost of each visit at the time services are provided, and your insurance company will send you the reimbursement check directly (this may apply to holders of BCBS of North Carolina specifically).
We are in network with the following dental insurances:
- Delta Dental
- Assurant/Dental Alliance
- SC Healthy Connections/Medicaid
We will accept and file all out-of- network PPO plans, including but not limited to MetLife, BCBS, Aetna, United Healthcare, Dentemax, United Concordia, Colonial Life, CSEA, GHI, etc. Often times out-of-network plans cover the same as in-network plans for preventative appointments. However, it is the responsibility of the policy holder to be aware of what benefits their plan does and does not have. We will do our best to share this with you as a courtesy.
Our office does not determine your dental benefits. Our relationship is ultimately with you and not your dental insurance company. Your dental insurance is a contract between your employer and the insurance company. The percentage covered for each procedure is determined by how much your employer has paid for coverage. Most plans routinely pay between 50-75% of the average total fee. We want to provide our patients with the finest treatment available and base our treatment recommendations on what will be best for your child rather than what your insurance company does or doesn't pay. Every effort will be made to provide a treatment plan fitting your timetable and budget! Our primary goal is to provide your child with the best possible treatment in a safe environment, using high quality supplies and medications. Unfortunately, the goal of many insurance companies is only to treat patients in the cheapest manner, not necessarily the safest or most effective. At the initial appointment, you will be responsible for your portion of the fees not covered by your insurance for that appointment and payment is expected. We will be happy to assist you in estimating your portion of the cost of treatment, but we would strongly recommend you become familiar with your insurance benefits ahead of time.
Prior to completing any restorative treatment, we will provide you with a cost estimate of our total fee, your estimated insurance coverage, and your estimated out-of-pocket costs. Please remember, these are only estimates and may change during the course of treatment. Sometimes, treatment alternatives become necessary for various reasons, which may increase or decrease treatment costs. Any amount not covered by your insurance company is payable at the time services are rendered. These fees may include deductibles, co-payments or certain procedures not covered by your insurance policy. For your convenience, we accept cash, personal checks and most major credit cards. Any returned checks will incur a $30 processing fee. We cannot accept responsibility for negotiating a disputed claim and allow a maximum of 45-days for your insurance company to clear account balances. If your insurance does not pay within 45 days of the treatment rendered, we shall expect payment in full from you. A late charge of 1.5% per month, or a minimum late charge of $30.00 will be added to unpaid balances over 45 days past due. After 90 days from the time of service and attempts to collect outstanding funds, parents/guardians not fulfilling their financial obligation will be sent to collections.
If you have any questions, we will be happy to assist you. We look forward to beginning a wonderful relationship with you and your child! Please do not hesitate to call.