Financial Policy and Insurance


Financial Policy

Patients and/or their account holders are financially responsible for payment of all services rendered. Our office policy requires payment at the time of service unless other arrangements have been determined in advance of treatment date.

If our office is not on your insurance plan, then we will be an out-of-network provider, meaning that in some cases, there may be a difference in the benefit amount that an insurance carrier will pay when compared to an in-network provider. Our office can send a Pre-Determination to your insurance carrier to help determine your insurance benefits available out of network.

As a courtesy, for patients with dental insurance, our office will file any applicable dental insurance claims for you and your dependent(s). Our office will request assignment of benefits from your carrier, unless otherwise determined. When treatment is provided, patients will be asked to pay an estimated amount towards their share of cost. It is important that patients understand that our office cannot estimate the exact amount of any benefits payable by any insurance carrier. We highly recommend and in some cases will require a Pre-Treatment Estimate or Pre-Determination be submitted on your behalf to your insurance carrier prior to treatment, as this is the best way to know for certain what benefits your policy covers and the resulting cost to you. Patients are financially responsible for any and all amounts not paid by their insurance company. In the case that your insurance company should pay more that estimated, resulting in a credit balance, you will be promptly reimbursed.

If you have any questions regarding our financial policy, please contact our office at (512)328-0155.

For your convenience, we accept checks, HSA cards, Visa, MasterCard, American Express and Discover.

Our office is a PPO provider for Cigna, Aetna, and Sunlife (formerly Assurant).

Insurance

Your dental insurance plan is a form of compensation provided by your employer. Dental insurance is meant to be a supplemental benefit to the total cost of treatment. The benefit portion that an insurance company will pay varies widely, and is determined by the contract agreed upon between your employer and the insurance company. As a courtesy to our patients, we will process your dental insurance claims free of charge. Our office has many years of experience working with dental insurance companies and will work hard to submit all needed documentation to help you get the most from your dental plan.

While we might not be an in-network provider on certain dental plans, our patients come to us out-of-network with their PPO dental insurance plans because they love the quality of care and the professional service that we provide our patients. We will work to help you maximize the dental benefits that you are entitled to when seeking care out of your dental network. If you have a DMO type dental plan, your insurance company will not pay any benefits on your behalf unless you receive dental care from a dentist listed in your network.

Dental insurance carriers use their own fee schedules when determining the percentages that they will pay out as benefits. It is important to understand that when an insurance company says they pay 100%, or 80%, or 50% for certain services, the benefit they pay will be based on their fee schedule, and will not always be the same fee charged by a service provider. The difference in the fee charged by the dentist and the benefit paid by your insurance company is the patient’s financial responsibility or share of cost. Our fee schedule is within the normal limits of a quality oriented dental practice in our area.

Insurance companies do not guarantee payment on claims. We do our very best to calculate the probable amounts on insurance reimbursements with the information provided by you and your carrier. However, all figures quoted are purely estimates and are not intended to be represented as definite. The best way to get a clear idea of your insurance company’s fee schedule is to have our office submit a pretreatment estimate or pre determination on your behalf to your dental carrier.

At all times, you can be confident that we will provide you with the best possible dental care. We do not base your well-being and dental health on the often arbitrary confinements of your dental insurance coverage. We believe that choices about your dental treatment care options should not be dictated to you by your dental insurance company. These choices should be made by you with the guidance and expertise of your dental care provider. Remember our goal is to provide for you the best quality treatment options for your needs. We believe that you should see your dental insurance plan as supplemental to any dental expenses and not the determinant factor in directing your dental care choices.