Our insurance coordinators deal with many different insurance companies. Some companies offer as many as six different dental and medical plans. Some companies combine dental and medical coverage. This insurance alphabet soup changes policies and guidelines weekly. At times, it is almost impossible to accurately estimate our patient's insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. Dealing with these companies can be difficult and time consuming. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance be current.

Pre-authorizaiton - This is the process of submitting an insurance claim proposal to the insurance company prior to the procedure. Many companies will respond with more accurate estimates of your coverage. We can not guarantee amounts of coverage, or even if the insurance will cover your procedure at all. However, a pre-authorization may help you determine whether the procedure is covered, and at what level.

Co-Payment - All co-payments are payable when you check in at the front desk.

HMO Patients - A patient who comes to us with a problem that they expect to be covered by medical insurance (biopsies, tumors, TMJ, infections, jaw deformities) must have a referral from their primary care physician. A referral from a dentist is not adequate for medical insurance coverage. It is your responsibility to contact your primary physician's office to obtain the referral. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.

Medicare Patients - We must by law inform you that most if not all of the procedures we perform are considered dental and are not covered by Medicare. We will be happy upon request to submit your procedure to Medicare to help you obtain any possible coverage. If Medicare denies your procedure, you are responsible for the charges. Medicare pays us directly for your care. You will be responsible for any deductible and co-insurance.

Private and Group Insurance - As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be promptly refunded to you.

If you have any problems or questions, please ask our staff. They are well informed and up-to-date. Please call if you have any questions or concerns regarding your initial visit.

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