While we are in-network with most insurance companies, dental insurance generally does not cover all dental expenses. Dental insurance is designed to help reduce your out-of-pocket dental expenses and there will usually be some sort of out-of-pocket expense that you will be expected to pay at the time of service. Reimbursement levels are determined by your insurance provider and generally do not take into account up-to-date regional data in determining the reimbursement level. Additionally, there is no regulation regarding how insurance companies determine reimbursement and insurance companies are not required to disclose how they determine these levels. Your dental insurance plan is a form of compensation provided by your employer. While it is called “insurance,” it actually operates quite differently than your medical or auto insurance policies. You can expect the carrier (insurance company) to reimburse a portion of your treatment fee. That portion is determined by the contract between your employer and the insurance company. The higher the premium paid by your company, the more generous the reimbursement. Insurance companies do not guarantee payment on claims and reserve the right to make payments based on their estimation of “Usual and Customary Rates.” Your particular policy may base its reimbursement rate on a fee schedule that is lower than our office’s.
Being an in-network provider with your particular dental insurance company means that your treatment fees are based on a fee schedule that is generally lower than our standard rates. So, by going to an in-network dentist, you automatically receive a discount on your dental treatment. In addition to being an in-network provider with your dental insurance company, we will also file your insurance claims, track your claims, follow-up on delayed claims, and help deal with insurance family plans. We want to help you maximize your benefits and will provide digital dental X-rays and a written diagnostic report should your insurance company have any questions about the services provided. Please provide our staff with your insurance information when you call our office so that we can take over the hassle of dealing with the insurance companies. Also, make sure to bring your identification card and your insurance card to the office when you come in for your visit. At all times, you can be confident that we will provide you with our best services without regard to the limitations imposed by your insurance coverage. To do otherwise would violate our commitment to you – a commitment that we honor because we truly care about your oral health.