It is our pleasure to assist you in maximizing your insurance benefit by completing your claim forms and forwarding any requested information to process a claim. For example, if your treatment included a crown your insurance company would require an x-ray. If your carrier is up to date (in over 70% of the cases), the claims will be transmitted via computer modem before the end of the treatment day! As a courtesy, and in addition to filing the claim, if you prefer we will only ask for your estimated co-payment (not payment in full) and have your insurance company reimburse you. Please understand that this is only an estimate, and is based upon the information currently available to us.

The range of benefits depends solely on what your employer wishes to purchase. All dental plans are different. We will assist you the best way we can to figure out your benefits for you. Remember, it is your insurance, not ours. The information they give us is not always exact. For instance, most insurance companies tell you that they cover 100% for cleanings. What they don’t tell you is 100% of what amount. For example, say a cleaning is $60.00. An insurance company might “decide” that $50.00 is what a dentist should charge for that service. They are going to pay 100% of $50.00, not $60.00, leaving your balance at $10.00. It is confusing, we know! Insurance companies will also try to delay making payments. This is why we try to give all the information that they will need with the claims. So, if you know you have to fill out a yearly update, we ask that you do that when you know it’s due. Most of the time, it’s the beginning of the plan year. If you have a child that is a full time student in college they will request some form of verification. Please don’t wait until they request it. If you do it will delay the payment of your dental claim. If this should occur it could take payment over 90 days, at which point the balance becomes your full responsibility and subject to 18% APR.

If you have two insurance companies things can often get even more confusing. You can not choose which is primary and which is secondary. Your insurance company does it for you. If you have insurance through your employer and your spouse has coverage through a different employer it will always all under your plan first. If you have children it is determined based on date of birth. If your birthday falls first in the year, that would be primary, unless there is a step-parent involved. In that case, it depends on whether or not the insurance was court-ordered in a divorce decree. If that is the case, the biological parent would be the primary.