Because we are a surgical practice, it is not always possible to stay exactly on time. Still, we pride ourselves on staying on schedule and rarely will you have much, if any, waiting time. Most scheduling delays arise because of patients arriving late. Please remember to allow for unpredictable traffic and give yourself a few minutes to spare.
We offer several options for patients to make payment for their treatment:
- Payment in full at the time of service - 5% courtesy discount with cash or check
- Payment in full at the time of service - 3% courtesy discount with credit card
- Payment of 30% of the balance on the day of service; Dental insurance is filed.
When the actual amount of insurance coverage is determined, the patient's portion is due in full. The office will charge the patient's credit card for the patient's portion not covered by insurance.
- If payment needs to be spread out, forty percent (40%) is due the day of service.
The remaining balance is due within 90 days, with no interest. This balance is paid over three equal payments of twenty percent (20%) on the fifteenth day of the month for the next three months following the day of treatment.
- Low-interest payment plans with low monthly payments through Care Credit Financing. The financing period can range from one to five years.
There is an 12% interest charge on any balance remaining after 90 days. For your convenience we accept Visa, MasterCard, and Discover Cards.
Unfortunately, there is a great deal of confusion about dental insurance. Please remember that we do not work for any insurance company or for any PPO or HMO. We work for you. Our treatment recommendations are based solely on what we feel will give you the best periodontal outcome. Insurance companies' treatment recommendations are based solely on what is best for their profit margins.
There are two methods commonly used by dental insurance companies to limit your reimbursement. The first is the payment schedule, which limits the amount covered for any particular procedure. Most of these benefit tables are based on faulty and outdated information and cannot be justified. An insurance company may also limit payment because they claim the fee was greater than the "usual and customary" charge for that procedure. Again, it is impossible to ascertain how the insurance company arrived at their "usual and customary" figures, which can be less than half of those found in nationally published data. Moreover, we are not satisfied with "usual" or "customary" and you can expect unusual and extraordinary care at our office.
The second - and most restricting - limitation to benefits is the yearly maximum payment the dental insurance company will reimburse. Regardless of the procedure coverage, most dental insurance companies will cap payment between $1000 and $2000 a year. Thus, if the insurance company's scheduled reimbursement for a $3000 procedure were $2400, they would still only pay up to their yearly maximum of, say, $1500.
While we are not directly involved with any insurance company, we will do all we can to help you derive maximum benefits from your insurance plan. For new patient consultations and dental cleanings, we provide "attending doctor" statements for you to attach to your insurance claim form. For more extensive treatment we will submit a pre-treatment estimate to your insurance company, when requested, to determine what reimbursement is available for anticipated services. After that treatment is completed, our office will then send in a final insurance claim for you.
We have a staff member whose sole job is to help patients receive as much as possible from their insurance company, but remember this is done as a courtesy to our patients. Each patient is entirely responsible for his or her bill.
Appointments made at our periodontic office are reserved exclusively for you. If you need to change your appointment, we would appreciate the courtesy of being informed at least three full business days in advance. This allows another patient to take your reserved time.
We understand that on occasion cancellations are necessary, particularly due to illness. Please remember that each appointment time is reserved exclusively for that individual patient, and without adequate time to fill the broken appointment, the operatory is empty for that time. Unfortunately, the overhead of the operatory continues. Therefore, if we are unable to have three full business days notice of a cancellation, an overhead charge will be made - unless we are able to fill that time. We would much prefer never to make that charge, so try to schedule a time most convenient for you.