We will be happy to work with your dental insurance. If we have all of your information, we will file your claims for you.
It is important that you know what your insurance company will or will not pay. We expect payment for what your insurance plan won’t cover.
It is law that insurance companies have to pay within thirty days of receipt. To speed up the process, we file all claims electronically so they can get started on it right away. After thirty days, you are responsible for the remaining balance, whether or not your insurance company pays.
If you haven’t paid your bill within sixty days, a re-billing fee of 1.5% will be added to the total every month that it is not paid. If your insurance pays after the thirty days, we will be happy to issue you a refund.
We want you to know that we file all dental claims as a courtesy to our patients. We don’t have to work with them. You are responsible for your bill and your insurance company. We do our best to estimate how much your insurance company will pay, though we can’t guarantee anything.
We also can’t be held responsible for any errors that may occur when filing your insurance claim. We are only doing this to help you.
Since insurance can be confusing, we will do our best to explain it to you.
Many people think that insurance should pay for all of the work that they have done. However, insurance is only meant to help you out. Most companies pay between fifty and eighty percent of the bill, not one hundred percent. There are a lot of different companies and plans. Some will pay more while others pay even less.
Many people think that benefits are determined by our office. You may see that your insurance company will pay only a certain amount, which is usually less than what your dentist charges. The insurance company might say that your dentist’s fee is more than the usual, customary, or reasonable fee.
This makes people think that their dentists are charging too much, when in fact the insurance company simply does not pay enough. You may think that it means that your dentist is charging an unrealistic amount, which is simply not true.
Each insurance company determines what they think is an usual, customary, or reasonable fee. The fees are different for each company, and there is a lot of variety among them. They do their own research, and it may be years before they update their fees.
It is important that you don’t forget about your deductibles and co-payments. Co-payments and deductibles can change the amount that you need to pay. If you have a co-payment, you will have to pay that amount before insurance will be applied.
For example, if your bill is one hundred dollars and you have a co-pay of twenty-five dollars, your insurance company will pay seventy-five percent of what is left (seventy-five dollars). You will be responsible for twenty-five dollars plus eighteen dollars and seventy-five cents. It may be even less if your insurance company has low usual and customary prices. They may only pay seventy-five percent of fifty dollars, meaning you would owe even more money.
It is really important to let us know when you have any changes to your insurance. You may switch to a different company, or the policy numbers may change.
Please ask us if you have any questions about our office policies. We would be glad to help you any way we can, especially with insurance questions. We understand how confusing insurance can be.