Our computer system has over 800 insurance plans on file and tracks the payment schedules for many of them. Our staff will estimate your insurance coverage at each visit and ask you to pay the difference each time. Please note that this is an ESTIMATE only.
If there is an additional balance due after the insurance claim is paid we will bill you. We gladly accept MasterCard, Visa, Discover and American Express. In addition, we offer CareCredit, a dental charge card.
If you belong to a traditional insurance plan we can assist you by filing your insurance claim. Traditional insurance is typically one in which you can choose any dentist you desire.
Our practice accepts many PPO Plans including Anthem-Blue Cross, Ameritas, Delta Dental, Aetna, Cigna, Guardian, Met-Life, Humana, United Health Care, Assurant, United Concordia and others. If you are not sure what type of plan you have, we will be happy to call for you and explain your benefits to the best of our ability.
We will be happy to file your insurance as a convenience for you however any amount not paid by insurance will need to be paid by you within 30 days.
What’s a covered benefit?
Treatment that is recommended by a dentist, is listed on the fee schedule, and accepted under the terms of your group’s plan.
What’s optional treatment
Treatment that is either not listed on your fee schedule or more than the minimum to restore the tooth back to its original function.
What’s the difference between indemnity, PPO, HMO, & discount insurance plans?
Indemnity or Traditional Insurance reimburses members or dentists at the dentist’s UCR (Usual, Customary & Reasonable fee). This allows the subscriber to go to any dental office without being limited to a panel.
(Preferred Provider Organization) is the most common form of insurance. They provide members with a list of participating dentists to choose from. The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings. They also assist with insurance billing. Most companies pay 50% on major treatment (crowns, bridges, partials), 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000.
Also known as capitated or prepaid insurance, was designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for patients assigned to the office. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don’t pay for services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor.