Insurance Introduction:
On the day of your consultation you were given information regarding the charges for the procedures you will be having done in our office. It is important for you to know what your insurance policy covers. We recommend that you check with your insurance company if you have any questions regarding your benefits. Due to the growing number of insurance companies and plans available, it has become difficult for us to call and verify insurance coverage for every patient. We have found the phone policy of many insurance companies to be that they may only verify general benefit information to the doctors office. They usually cannot quote exact procedure fees, so we are not able to calculate the exact amount that your insurance will pay. You will want to be aware that any information received by phone from an insurance company is not a binding agreement for payment.
We are happy to file your insurance claim forms for you the day of your surgery to assist you in receiving the benefits your insurance company has contracted to provide you.
Key Questions to Ask Your Insurance When Verifying Your Benefits:
1. Yearly policy maximum
2. Benefits used so far in your calendar year
3. Calendar year dates
4. Usual and customary fees foe the procedures you are having done
5. Is general anesthesia a covered benefit for the procedures you are having done?
6. Percent of coverage you are currently at.
7. Verify class code of procedures you are having done (extractions are usually Class ll)
8. If you have two insurances, does your plan have a non-duplication of benefits clause?
9. Age limit for dependent children
10. Student verification requirement
11. Is our office In-Network with your insurance?
12. Is the coverage different for In-network and Out-of-Network Providers?
Pre-Determinations
Pre-determinations are not made by our office unless asked by the insurance carrier.
Dental Plans/Networks
Aetna PPO, Ameritas, Assurant, Benefit Planners, Blue Cross Blue Shield, Boon-Chapman, CHIP, CIGNA PPO Dental, Compu/ Erisa Group, Delta Dental, Dental Choice, Dentemax, Fiserv Health, Fortis Benefits, GEHA, Guardian, Humana, Medicaid, Metlife, OHI, Pacific Care, Prinicipal Life Insurance Co., Safeguard, Tricare, Unicare, United Concordia, and United Healthcare. No HMO plans accepted, only PPO plans.
Financial Information
Our goal is to provide all of our patients the highest quality Surgery care possible. We can keep our focus on quality care best when we keep our bookkeeping and collection costs to a minimum. We ask for payment in full on the day of surgery. If you carry insurance we ask for the full fee and once the insurance carrier pays the claim, a reimbursement check will be sent for any over payment. The portion due is shown on your estimate of charges that was reviewed with you on the day of your consultation. We would appreciate you contacting our office at least 48 hours before your scheduled appointment if you need to make special Financial arrangements.
Payment Methods
We accept MasterCard, Visa, Discover, American Express, CareCredit, Capital One Healthcare Finance, Cash, Traveler's Checks, Money Order, and Flex Accounts. NO PERSONAL CHECKS ACCEPTED.
Financing
You may also make payment by using a financing from Capital One or Care Credit. Capital One's Healthcare Finance programs offer a number of different installment loans with a low fixed rates or even interest free. To learn more about this option or apply for a loan, go to Capital One's Healthcare Finance page. Care Credit offers a similar type of payment plan, please visit their website for more information.
Patient Responsibility (with insurance)
We are happy to help you by billing your insurance for you. The portion of your balance that we are asking you to pay on the day of your surgery is a percentage of your total balance, and in no way reflects an estimated amount that your insurance will cover. Our office policy is a 100% fee for treatment. At the time of the surgery, 100% is required down. You are responsible for payment in full after your insurance has paid, a reimbursement check for the amount paid, will be sent to you. We require payment in full of your remaining balance while you are in negotiation with your insurance company. .
To learn more about the insurance process, please ask any questions you might have by filling out our form below.