FINANCING

As an optimal-care dental practice, we strongly believe you deserve access to the best possible dental services and the best technology available to help you maintain excellent dental health and minimize risk factors for overall health. We would like to share some facts about dental insurance with you so that you better understand how we make recommendations for you concerning your dental needs.

Health Insurance Fact #1

Your dental insurance is based upon a contract between your employer and the insurance company. Should any questions arise regarding your dental insurance benefits, we will assist you as much as we can but most times it is best for your insurance company to hear from you, the insured.

Health Insurance Fact #2

Dental insurance benefits differ greatly from traditional medical health insurance benefits and can vary quite a bit from plan to plan. When dental insurance plans first appeared in the early 1970’s most plans had a yearly maximum of $1000. Today, 40+ years later, most plans still have an annual maximum of $1000. That the premiums remained the same, allowing for a conservative yearly rate of inflation, your yearly plan maximums should be in excess of $4500 today. Your premiums have increased, but your benefits have not. Therefore, dental insurance was never set up to cover your services 100%; it is only an aid.

Health Insurance Fact #3

You may receive a notification from your insurance company stating that dental fees are “higher than usual and customary.” Insurance companies never reveal how they determine “usual, customary and reasonable” (UCR) fees. A survey done in the state of Washington found at least eight different UCR fee schedules for one zip code in the Seattle area. The fees are somehow determined by taking “a percentage” of an average fee for a particular procedure in a geographic area. Average has been defined as “the worst of the best” or “the best of the worse” Our Dental Touch team is does not provide average dentistry.

Health Insurance Fact #4

Many routine dental services are not covered by insurance companies. Insurance companies can take years before they recognize a clinically researched treatment to have therapeutic value and do not provide coverage or even insurance codes.

This does not mean these services aren’t beneficial to your dental health, it just means they are not covered and fees for these services cannot be submitted and need to be paid at the time of service. If and when, dental insurance companies provide benefits for these services we will be happy to submit them to your insurance company as we do for other covered benefits.

We feel that dental insurance can be a great benefit for many patients and want you to know we will do everything in our power to insure that you get every benefit dollar you are entitled to. However, the treatment we recommend and the fees we charge will always be based on your individual need, not your insurance coverage.

The ultimate decision as to what will be done and how fast we proceed will always be made by you. Based on your decision, we will discuss the total cost of treatment and what assistance you can expect from your dental insurance. All arrangements are strictly between you and our office. The full responsibility for payment of services rendered will always be with you.

YOUR FINANCING OPTIONS

At Dental Touch, we make every attempt to make comprehensive cosmetic dentistry care affordable. We realize and recognize that our high-quality dentistry is not inexpensive, but we want to give every one of our patients an opportunity to say “yes to the best”, so we have set up several options to make comprehensive treatment more affordable for you!

  • Cash, Check
  • MasterCard, Visa, Discover Card
  • Insurance Assignment (as a courtesy, we will file your insurance claims for you)
  • Payment Plans
  • Care Credit
  • Lending Club

Please note that here at Dental Touch we collect payment for treatment the day of service. If you have dental insurance we will estimate your co-payment based on the information supplied by your insurance company. If there is a balance after insurance has paid their portion, we will bill you for the remainder, you are responsible for that amount, not your insurance company.

Dental Insurance and How It Works

Dental insurance is a highly complex area that creates confusion for many dental patients. The complexities of dental insurance and the lack of sufficient information provided by some insurance companies make it almost impossible for some patients to properly understand their benefits. Even more confusing is understanding how to properly work with your dental insurance company to achieve the highest level of benefits to which you are entitled.

Dental insurance is a contract between your employer and a dental insurance company. The benefits that you will receive are based on the terms of the contract that were negotiated between your employer and the dental insurance company and not your dental office. The goal of most dental insurance policies is to provide only basic care for specific dental services. The services selected are based on the cost of the policy to your employer and the negotiated arrangements with the dental insurance company.

Because the benefits you currently have are decided between your employer and the insurance company, many services are not covered. The selection of non-covered services is not based on what you need or want, but is based strictly on the contract with the insurance company.

Unfortunately, some of the services that you may need or want will not be covered by your dental insurer. Our goal is to help you achieve and maintain optimal dental care, which is not necessarily the goal of your dental insurance company. The goal of the insurance company is to provide only the negotiated benefits for the specifically selected service.

The reimbursement mechanism from your dental insurance company is merely a mathematical formula as to which benefits you will receive and the percentage of the dentist’s office fee that will be paid.   We do not want to compromise your care based on restraints placed by an insurance company.

Another fact that most dental patients do not realize is that each dental insurance plan has a dollar amount limitation each year. Once this limit is reached, no other services will be covered by your dental insurance company regardless how essential the service may be to your dental health.

Some services are typically not covered by dental insurance companies. These include:cosmetic dentistry, implants, occlusion or bite redesign, and other services. Although these are important dental services that can greatly enhance the quality of life of our patients, dental insurance companies do not feel that they should have to pay for these services. That is why these services are rarely included in contracts with your employer.

Any time you have a question about your dental insurance, please feel free to ask us. We recognize that dental insurance is becoming more complex and more difficult to understand everyday. This is often due to the quest by dental insurance companies to reduce costs through continual changes. Keep in mind that the dental insurance companies are not concerned about coverage for optimal dental care, but provide coverage for only a limited number of basic services.

Our office remains dedicated to providing optimal care for every patient and working with you to achieve that goal. We pride ourselves on helping you in any way and in continuing to provide the quality of care to which you have become accustomed.

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