Financial and Insurance

Financial and Insurance

Orthodontic Insurance

There are many different agreements between insurance carriers and their subscribers.  Each contract provides a different benefit.  Unlike ordinary dental insurance, orthodontic insurance usually provides each insured person with a lifetime maximum benefit for orthodontic services.  This benefit is paid as a percentage of the orthodontic fee until the maximum is reached.

 

We Can Help You Submit Claim Forms

We will gladly submit insurance claims for care rendered in our office.  However, our primary financial relationship is with our patients and their families, and not with their respective insurance companies.  Final responsibility for collection of benefits from your insurance company rests with the insured party.  We will accept payments from your insurance company assigned to us by the insured.  Such payments will be credited accordingly to your account.  Simply provide us with the name, address, telephone number of your insurance carrier, the subscriber ID number, and the company group number.  If you company requires verification of continuing treatment, you may send them copies of your cancelled checks or cash receipts.  If your insurance carrier provides a form for verification of continuing treatment, we will gladly complete the signature portion.

 

Payment Plans

We strive to provide the most flexible payment options customized to fit even the tightest budgets.  We can set up an automatic payment through your debit or credit card.  We also accept American Express, Discover, MasterCard and Visa as well as offering CareCredit financing options that will make your treatment more affordable.  These flexible payment options allow you to pay for your treatment over a period of time so you can focus on what matters most – keeping your child’s smile healthy!

Don’t let finances stand in your way for achieving the beautiful, healthy smile your child deserves!  Know what your benefits are before treatment begins.  If you are not sure, contact your insurance company so that you know exactly how much you can expect them to pay and when to expect payment.  Although insurance may be a factor, please remember that you are ultimately responsible for all charges incurred in our office.

Our office is committed to helping you maximize your insurance benefits.  Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts.  Your estimated patient portion must be paid at the time of service.  As a service to our patients, we will bill insurance companies for services and allow them 45 days to render payment.  After 60 days, you are responsible for the entire balance, paid in full. 

We realize that understanding your pediatric dental and orthodontic insurance can be difficult, and we welcome any questions you might have.

 

 

 

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