Dental Insurance Information
We strongly feel that our patients deserve the very best possible dental care we can provide. At all times, you can be confident that we will always provide you with our best services without regard to the limitations imposed by your insurance coverage. In an effort to maintain this high quality of care, we would like to share with you some facts about dental insurance.
Your dental plan is a form of compensation provided by your employer. There are literally hundreds of plans, each unique in its scope and coverage. You can expect the carrier (insurance company) to reimburse you for a portion of our fee. That portion is determined by the contract between your employer and the insurance company but generally covers 30 to 80 percent of fees with a yearly maximum between $500 and $2000. The higher the premium paid by you and your company, the more generous the reimbursement. Since most insurance carriers base their benefits on a schedule of average fees over diverse geographic and economic regions, our fees will generally be higher than their “reasonable and customary” fees. We urge you to be fully aware of the provisions of your dental plan.
Approximately one half of our patients have dental insurance coverage through a variety of companies such as Delta, Blue Cross / Blue Shield, Guardian, MetLife, Cigna, and United Healthcare to name a few. However, in order to maintain lower fees for all of our patients, we are not a direct provider with any insurance program at this time. Although we are not a party to the contractual arrangement between your insurance company and your employer, we do want to help you receive the maximum reimbursement to which you are entitled. If you would like to know what your insurance benefits will be before you begin treatment, we will process a pre-determination that can be submitted along with your specific insurance form. We will also gladly provide dental x-rays and a written diagnostic report should your insurance company have any questions about the services provided.
Please contact us if you have any questions regarding our handling of insurance matters.