Financial Policies

We share your concerns regarding the cost of dental care. We believe that you, our patients, expect and deserve the highest quality of care we can prove at a reasonable cost. While we take advantage of every possible avenue to keep costs down, we are committed to not sacrificing quality for less expensive care. With this in mind, we would like to share some information with you about our financial policy. We want you to feel comfortable regarding your financial and insurance matter and thereby prevent any misunderstandings. Please call us prior to your appointment if you have any questions regarding our services and the financial policies detailed herein.

Many people are under the impression that if they have insurance, it is the insurance company who owes the doctor for his services. Please keep in mind, the insurance contract is between the patient and the insurance company. Therefore, the patient is responsible for the bill, regardless of insurance coverage determination. As a courtesy to our patients, we are happy to bill your primary insurance for you, however the responsibility for the payment remains with the patient (or insured).

Patients with insurance: Many insurance plans state that you will be covered up to “50%, 80%, or 100%”. In spite of that statement, we have found in actuality that many plans may cover less that that depending upon their established “usual and customary fees” and what services they actually cover. Insurance companies use the term “usual and customary” when setting fee limitations on services. Please be aware that some insurance companies will pay a claim percentage based on their “usual and customary fees”, not our actual charges. To determine what portion of your bill will be covered by insurance, we will gladly get preauthorization from your carrier; however, this usually requires four to six weeks to be processed. Please note these figures are an “estimation of your benefits” and are not guaranteed. In the event that the predetermination is not received by the time of treatment, the patient will be responsible for the full payment. A reimbursement check may be issued after an insurance check is received.

Account Balances: Any account balance remaining for insured patients is due in full 60 days after date of service regardless of insurance coverage or anticipated payment from other sources. In the event that payment for our services is not made within 60 days of receipt of services, an interest charge of 1.5% per month will be added to the account (18% per annum). Therefore, patients with insurance whose clams have not been paid within 45 days should contact their insurance company to determine the reason for delay in payment. Delinquent accounts will be referred for collection at the discretion of the business manager. The undersigned agrees to pay all costs, including reasonable attorney fees.

Patients without insurance: Payment is due in full on the day of treatment. A 5% discount may be applied when the patient pays using cash or check ONLY. Please note this does not include debit cards. An additional 5% may be discounted for patients 65 years of age or older.

Payment methods: Our office accepts Visa and MasterCard. We also accept cash and personal checks. There will be a $25 fee for all returned checks. Interest free financing is also available through Springstone Patient Financing (http://www.springstoneplan.com). Payment arrangements for all surgery must be made in advance.

Cancellation Policy: Please notify our office within 48 hours for any change in appointments. A charge of 50% will be made to your account if we do not receive adequate notice. For 1/2 day surgery appointments we require 7 days cancellation notice. To cancel an appointment, you must speak to a member of our team. We do not accept cancellation requests left on our voicemail.

Patients who have cancelled or rescheduled the same appointment twice will be asked for a credit card number to hold their third appointment. Failure to follow through with this appointment will result in a 100% charge to their account.


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