Dental Insurances: A Note to parents
Dear Parent,
Dental insurance is often confusing for everyone. There are hundreds of carriers and plans, each with different coverage percentages, frequency limits, yearly maximums and co-pays, and some make their benefits hard to find.
We work hard to estimate your benefits and out-of-pocket costs accurately for every visit. However, no office can be an expert in every plan, and we can never guarantee what an insurance plan will ultimately pay.
Your dental plan is a contract between you, your employer and the insurance company. We estimate, collect and bill your insurance as a courtesy, but it is the subscriber’s responsibility to know their plan, benefits and co-pays. For questions about your coverage, please contact your insurance carrier directly.
Sincerely,
Dr. Johnson
We accept all PPO insurance plans
Below are some examples of the plans we accept
Important Information for Patients with Delta Dental Insurance
We accept Delta Dental PPO Insurance as an "out of network" provider. We will help you maximize your benefit BUT there are some important things that you should know as it relates to our office. To attempt to force providers like me to contract "in-network" and agree to more than 50% reduction in reimbursement fees, Delta Dental has chosen to be the only insurance that sends insurance benefit checks directly to YOU (the subscriber) instead of our office.
ALL INSURANCE PROVIDERS (Except Delta)
✔ A treatment plan is generated showing our full fee, the estimated portion to be covered by your insurance benefit, and the remainder is a co-pay due at the time of service
✔ As a courtesy on your behalf, our office mails the insurance claim to the insurance company
✔ The insurance company sends us the benefit check within 2-3 weeks of receiving the claim
✔ Any over/underpayment is addressed by issuing a refund or mailing a statement showing any amount
✔ As a courtesy on your behalf, our office mails the insurance claim to the insurance company
✔ The insurance company sends us the benefit check within 2-3 weeks of receiving the claim
✔ Any over/underpayment is addressed by issuing a refund or mailing a statement showing any amount
EXAMPLE All Insurances Except Delta Dental
$400 Full Fee
$340 Estimated Insurance
$60 Copay
$60 Amount due at time of service
$340 Insurance mails payment to office
DELTA DENTAL
✔ A treatment plan is generated showing our full fee, the estimated portion to be covered by your Delta Dental benefit, but Delta forces us to collect the full fee from you at the time of service because they send you the check instead of us
✔ As a courtesy on your behalf, our office mails the insurance claim to the insurance company
❌ Delta Dental sends the insurance benefit check directly to YOU written in YOUR name
✔ As a courtesy on your behalf, our office mails the insurance claim to the insurance company
❌ Delta Dental sends the insurance benefit check directly to YOU written in YOUR name
EXAMPLE Delta Dental Only
$400 Full Fee
$340 Estimated Insurance
$400 Copay due at time of service
$340 Insurance mails payment to you