At our office you will receive state-of-the-art dental care in a relaxing and comfortable environment.
Before your first visit, please take the time necessary to accurately fill them out. We suggest this be done when you are not rushed. The more we know about you the better we will be able to serve you.
Medicine and Dentistry are being affected by changes within the insurance industry. We believe that a two tiered system of health care is developing. On one hand there is a managed care model where a third party is involved in all decisions of what level of care you receive as well as what payment is made for that care. We refer to the other tier of health care as private care.
In the Private Care System, you as the patient along with the dentist decide what level of care you will receive. We believe that because of our ability to recommend and deliver optimal care in the private care model, your long-term dental costs will be lower. As a private care patient, you will have the opportunity to reach a higher level of health. As a private care patient, you are responsible for all charges incurred, regardless of what you insurance company or any other third party agrees to pay. Please know that as a private care provider, our office will always assist you to receive the maximum benefit to which you are entitled, from your specific insurance plan.
BELOW IS A LIST OF OPTIONS YOU MAY USE TO TAKE CARE OF YOUR FINANCIAL RESPONSIBILITIES:
We feel that dental insurance is a wonderful benefit, and we will do everything in our power to ensure that you receive every benefit dollar you are entitled to. Please keep in mind that the treatment we recommend and our fees that we charge will always be based on your individual need and not based on your insurance coverage. You will always make the ultimate decision of what level of care you receive and how quickly we proceed. All financial arrangements are strictly between you and our office. As a courtesy to you we will assist you in the proper filing of you dental claims. Please keep in mind the full responsibility for payment of services rendered always lies with you.
Fact #1: Your dental insurance benefit is based upon a contract between your employer and the insurance company. Should questions arise regarding your dental insurance benefits, it is best to contact your employer or the insurance company directly.
Fact #2: Dental insurance benefits differ greatly from traditional medical health insurance benefits and will vary quite significantly from plan to plan. When dental insurance plans first appeared in the early 70’s, most plans had a yearly maximum of $1000. Allowing for a conservative 6% yearly rate of inflation, your yearly plan maximum should be in excess of $4500 today. In most cases we see your premiums have increased, but your benefits have not. Therefore, dental insurance is never a pay all; it is only an aid.
Fact #3: You may receive a notification from your insurance company that dental fees are “higher than ususal and customary.” Insurance companies have never revealed how they determine “usual and customary or reasonable” (UCR) fees. A recent survey done in the state of Washington found at least eight different UCR fee schedules for one zip code in the Seattle area. They are determined at the least by taking some percentage of an average fee for a particular procedure in a geographic area. Average has been defined as “the worst of the best” or the “best of the worst.” We DO NOT provide average dentistry nor do we charge average fees.
Fact #4: Many plans tell their participants that they will be covered up to 80% or up to 100% but do not clearly state the plan’s fee scheduled allowances or other limitations. It is more realistic to expect dental insurance companies to cover 35% to 50% of major services. You get back from your policy only what your employer puts in, minus insurance company profits.
Fact #5: Many routine dental services are not covered by insurance companies. This does not mean that the services are not necessary or appropriate; it means that they are not a benefit of your program.
Dentists and patients are concerned about the spread of infections. Our office shares these concerns; that is why we are aggressive in adopting the latest in prevention techniques.
The best defense against disease is information. The more you know, the better equipped you are to make wise decisions about your health care. The more you know about our daily policies, the more comfortable you will feel.