Our Policy Regarding Dental Insurance
As a courtesy to our patients, we will be happy to complete and submit your insurance claim relative to dental treatment, and we will do so without charge. However, in order to avoid misunderstandings, please read carefully and understand the following policy in regard to dental insurance benefits.
Our professional treatment is rendered to you, not to the insurance company. You are responsible to us for the obligation of payment of treatment. However, to serve and assist you in utilizing your dental insurance, this office accepts assignment of benefits. It is your responsibility to provide us with current insurance information and you are responsible for the balance not covered by your policy on the date of service.
Please understand that the amount to be paid by your particular policy is pre-determined and agreed to by your employer and the insurance company. If you have any questions about the amount the plan will pay or the treatments your plan will cover, you should refer these questions to your employer. At your request, this office will provide all pertinent information to your insurance company and we will do our best to help you derive the maximum benefits available. However, we are not responsible for determining what those benefits are to be.
Some policies request a pre-authorization or pre-determination before treatment is begun. We will submit a treatment plan for review by your insurance company, if this a requirement. If this is a requirement, it is your responsibility to inform this office. IT IS NOT THE RESPONSIBILITY OF OUR OFFICE TO KNOW IN ADVANCE THE CONDITIONS OF YOUR DENTAL PLAN.
Please remember that dental insurance is designed to assist people to obtain dental care and rarely covers more than 1/3 or 1/2 of the total cost of service. There may be a deductible, a co-insurance factor, and a yearly maximum to be considered.
Most policies cover what is considered a usual and customary fee. However, the insurance company sets these fees, and they are not always the same fees that may be charged in this office.
All these factors may combine to reduce the benefits you will ultimately receive. We will do our best to see that you receive full benefits within the structure of your particular dental plan. However, ultimate responsibility for payment is yours and financial arrangements must be defined before treatment can begin.