Insurance/ Financial Responsibilities

  • We accept most insurance plans. If you have any questions regarding your benefits, please   ask our staff prior to your visit.
  • Please bring your insurance information, along with any forms, with you to your appointment.
  • We ask that you pay your co-payment at each visit.
  • We offer payment arrangements; however these must be arranged in advance of treatment.

Due to the many changes in insurance policies, it is no longer an easy task to interpret each individual policy. Although we try to stay aware of the changes, it is not always possible. Therefore, it is your responsibility to know your individual coverage. Failing to do so will result in you, the patient, being responsible for all costs incurred. Please remember that your insurance policy is between you and your insurance company, not between the insurance company and the dentist. If for any reason insurance does not pay in a reasonable time, payment will be expected from the patient. Most importantly, we are here to help in any way we can, and look forward to meeting your dental needs. Again, welcome to our practice!

Understanding your dental benefits is not easy. There are as many different plans as there are contracts. Your employer has selected your plan and is ultimately responsible for how your contract is designed. Remember, whether your plan covers a major portion of your dental bill, or only a small amount, dental benefits are good for patients because they help pay for needed treatment.

It is important to know that each contract will specify what types of procedures are considered for benefits. Even if a procedure is medically and dentally necessary, it may be excluded from your contract. This does not mean that you do not need the procedure. It simply means that your plan will not consider the procedure for payment. For example, cosmetic procedures and implants are often excluded from a dental plan.

It is a mistake to let benefits be your sole consideration when you determine what you want to do about your dental condition.

Many patients have questions regarding their dental benefits. While the employee benefits coordinator where you work can best answer your questions, the following may help.

Insurance FAQ

What insurance companies are accepted?

Delta PPO, BCBS, Blue Care Network, Cigna, Guardian, Humana, United Healthcare, ADN and Dentemax Network.  We dont accept Medicaid or any HMO plans.

Why doesn't my insurance cover all the costs for my dental treatment?

The employer usually buys a plan based on the amount of the benefit and how much the premium costs per month. Most benefit plans are only designed to cover a portion of the total cost.

But my plan says that my exams and certain other procedures are covered 100%.

That 100% is usually what the insurance carrier allows as payment toward the procedure, not what your dentist or any other dentist in your area may actually charge. For example, say your dentist charges $80 for an examination (not counting x-rays). Your carrier may allow $60 as the 100% payment for that examination, leaving $20 for you to pay.

If my plan does not really cover any procedures at 100%, why does it say it will?

Benefit plan booklets are often difficult to understand. If any part of your plan is not clear to you or if you think something is wrong concerning what your plan covers, you should contact your Employee Benefits Coordinator or the Human Resource department where you work.

How does my insurance carrier come up with its allowed payments?

Many carriers refer to their allowed payments as UCR, which stands for usual, customary and reasonable. However, usual, customary and reasonable does not really mean exactly what it seems to mean. UCR is actually a listing of payments for all covered procedures negotiated by your employer and the insurance company. This listing is related to the cost of the premiums and there you are located in your city and state. Your employer has likely selected an allowed payment or UCR payment that corresponds to the premium cost they desire. UCR payments could be more accurately called negotiated payments.

Since the payments are negotiated, does this mean that there s always a balance left for me to pay?

Typically there is always a portion that is not covered by your benefit plan.

If I always have a balance to pay, what good is my insurance?

Even a benefit plan that does not cover a large portion of the cost of needed dentistry pays something. Any amount covered reduces what you have to pay out of pocket. It helps!

I received an Explanation of Benefits from my insurance carrier that says my dental bill exceeded the usual and customary. Does this mean that my dentist is charging more than he/she should?

Remember that what insurance carriers call usual and customary is really just what your employer and the insurance company have negotiated as the amount that will be paid toward your treatment. It is usually less and frequently much less than what any dentist in your area might actually charge for a dental procedure. It does not mean that your dentist is charging too much.

Is there an annual maximum on my benefits?

Yes. Maximums limit what a carrier will cover each year on your plan. Should you exceed your yearly maximum, you will be responsible for paying the dentist the balance for the services you had done.  We make every effort to make sure you dont go over, however, outstanding claims may prohibit us from having an accurate balance at the time services are rendered. It is your responsibility to notify us if you had treatments done in another office or with a specialist.

Why do some benefit plans require me to select a dentist from a list?

Usually the dentists on the list have agreed to a contract with the benefit plan. These contracts have restrictions and requirements. If you choose a dentist on the list, you typically will pay less toward your dental care than if you choose a dentist not on the list. If your dentist is not on the list, this does not mean that something is wrong with the dentist or the office.

 

Why won't my insurance pay anything toward some procedures, such as x-rays, cleanings, and gum treatments?

Your plan contract specifies how many of certain types of procedures it will consider annually. It limits the number of x-rays, cleanings, and gum treatments it will cover because these are the types of treatments that many people need to have frequently.

I know that my insurance plan doesn't go into effect until next month. Why won't my dentist do my treatment today, but send in the claim next month so that the insurance will pay?

State laws regulate these issues. It is insurance fraud to change the dates of service on a claim. Both the patient and the dentist can be prosecuted.


 

Braces are applied to teeth for various reasons, including poorly aligned jaws, crooked, crowded and missing teeth, or a bad bite (also called malocclusion).

Various things can cause teeth to become crooked or jaws misaligned, including thumb-sucking or a traumatic injury. Some conditions are inherited.

Children between the ages of 7 and 14 are typical candidates for braces because their facial structures are still developing. Adult braces usually entail additional procedures because their faces have already fully developed.

About Braces

Orthodontics is a field of dentistry that deals with corrections involving jaw and teeth alignment.

Braces employ the use of wires and are usually one of three types:

  • Old-fashioned, conventional braces, which employ the use of metal strips, or bands.
  • Metal or plastic brackets that are cemented or bonded to teeth.
  • Brackets that attach to the back teeth (also called lingual braces).

Procedures

Orthodontic procedures, also called orthodontia, are complex processes.

In most cases, a dentist will need to make a plaster cast of the individual's teeth and perform full X-rays of the head and mouth.

After orthodontic appliances are placed, they need to be adjusted from time to time to ensure that they continue to move the teeth into their correct position.

Retainers are used following braces to ensure that teeth remain in position.

Aesthetic and Comfort Issues

Advances in technology have vastly improved appearance issues with orthodontia.

Braces today are made from extremely lightweight and natural-colored materials. The materials that braces attach to-brackets-are bonded to the surfaces of teeth but can be later removed.

People can expect to wear braces for about two years—less or more in some cases. Adults are usually required to wear braces for longer periods of time.

Because orthodontic appliances need to be adjusted from time to time to ensure they continue to move the teeth into their correct position, they can create pressure on the teeth and jaws. This mild discomfort usually subsides following each orthodontia adjustment.

Hygiene issues

People who wear braces must be diligent in ensuring that food particles and other debris do not get trapped in the network of brackets and wires. In addition, brackets can leave stains on enamel if the area surrounding them is not cleaned on a daily basis.

Daily oral hygiene such as brushing, flossing and rinsing are a necessity. Some people with orthodontic appliances can benefit from using water picks, which emit small pressurized bursts of water that can effectively rinse away such debris.

Another caveat: Braces and sticky foods don't mix. Crunchy snacks and chewy substances should be avoided at all costs because they can cause orthodontia to be loosened or damaged.

Space Maintainers

Space maintainers are helpful dental devices that can help teeth grow in normally following premature tooth loss, injury or other problems.

The devices can help ensure that proper spaces are maintained to allow future permanent teeth to erupt.

If your child loses a baby tooth early through decay or injury, his or her other teeth could shift and begin to fill the vacant space. When your child's permanent teeth emerge, there's not enough room for them. The result is crooked or crowded teeth and difficulties with chewing or speaking.


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