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For your convenience, we offer several payment options.
 A) Prepay Courtesy (For Fees Over $2,000):
A prepayment courtesy of 5% will be subtracted from the total patient
obligation (not from any portion due from insurance company) if the
patient obligation is paid in full at the first treatment visit.
With fast approval over the phone from Dental
Fee Plan, your payments
can be much lower than those available through our office. Dental Fee
Plan specializes exclusively in helping patients with larger dental
cases to do the treatment they want. DFP carries fixed rates between
9.9% and
12.9% and can extend terms out to 60 months. There is no prepayment
penalty. We will assist you in contacting them from our office.
C) Three Payments (For Fees Over $1,000):
Total patient obligation may be divided as follows: 50% due at the
first treatment visit, with the remaining balance split into two equal
payments,
due 30 and 60 days after the first treatment visit. For any fees under
$1,000, the full amount is due at the initiation of any procedure. Note:
balance payments will be written at the initiation of treatment, "post
dated" for 30 and 60 days - our guarantee. If a post-dated payment
is deposited prior to the date on the face of the check (or date credit
card payment is posted) we will credit your account for an amount equal
to and in addition to that payment.
D) Pay As You Go:
You may choose to pay your obligation for each visit, at that visit
Forms of Payments and Balances Due
In order to facilitate access to the very best health care possible,
you may choose from any of the following including any combination
thereof): Cash, Visa, MasterCard, American Express, Discover,
Money Order, Personal
Checks or Dental Fee Plan (see above), Balances over 60 days will
incur a finance charge of 18% APR.
Insurance
It is our pleasure to assist you in maximizing your insurance benefit
by completing your claims forms. If your carrier is up to date
(in over 70% of the cases), the claims will be transmitted
via computer
modem
before the end of the treatment day! As a courtesy, in addition
to filing the claim, if you prefer we will initially ask you only
for your estimated
co-payment. Please understand that this is only
an estimate,
and is based upon the information available to us.
The range of benefits depends solely on what
your employer wishes to purchase. Some plans cover as
little as little as 30% or as much as
100% of dental services, with most falling in the 40%
to 80% range.
Some plans base the amount of benefit on a schedule of fees arbitrarily
developed by insurance companies. For this reason, you may receive
a lower percentage than the reimbursement level indicated in your dental
plan. For example, if your plan states that it will pay 80% of the
cost
of a specific treatment, it means 80% of the fee arbitrarily
determined by the insurance company and not the actual fee charged by our office.
The financial obligation for dental treatment is between you
and our office. The insurance company is responsible
to you, and not to our office.
We will assist you in any way that we can (including our high tech "electronic
claims submission"). We will accept assignment of benefits for preventive care if
you have signed the insurance payment authorization form, have met your deductible and
paid any deductible. Once your carrier has paid the claim for your preventive care visit, any difference
will be due upon receipt of our statement. If for any reason, we have
not received your insurance carrier's payment 90 days after the claim,
the remaining balance will be due and payable
by you, and subject to
18% APR.
Payment for all restorative treatment will be due at the time service is rendered. Any benefit due to you will come directly to you from your benefit plan.
We do not file pre-determinations as that would delay treatment and
jeopardize proper care; however, we assure you that we will do everything
to get
maximum benefits for you from your insurance carrier. |
