Dental Insurance

Answers to Questions

If you are fortunate enough to have dental insurance coverage, we will try our best to help you understand your policy. Your insurance is an agreement between you and your insurance company and not between your insurance company and our office. Therefore, we can make no guarantee of any estimated coverage, but we will do our best to see that you receive your maximum benefits and as a courtesy, we will pre-authorize treatment for your consideration and approval. We accept most insurances.

Financial Arrangements

Payment is expected at the time services are performed. We accept cash, checks, Visa and Mastercard. When extensive dental care is necessary or when dental insurance is involved, financial arrangements can be made with our office manager Dawn. Please inquire about financing plans. Our primary concern is your dentistry. Nonetheless, we will be sensitive to your financial circumstances within the framework of sound business practices and comprehensive dental care.

Plans & Coverage

We accommodate most dental health care plans.  A dental benefit plan is designed to share in your dental care costs.  It may not cover the total cost of your care but supplements your out of pocket expense.  Most plans cover between 50 and 80% of dental services.  A dental plan is a contract between your employer and a third party (insurance company.)  There are many different kinds of dental plans and reimbursement levels.  While we are not a party in these contracts, we will do everything possible on our end to clarify and maximize your benefits.

We expedite our claims filing process by submitting claims electronically when an insurance company accepts this format.  Additionally, we provide follow-up replies and documentation to your insurance company electronically if they are able to accept them.

Most dental plans will allow you to seek dental care outside of their network and most do not reduce your benefit level for doing so.  We are a Premier Provider for Delta Dental.  Dawn can advise you about your dental benefit plan and your ability to seek out of network dental care.

If you have insurance benefits and assign benefits to us, we will manage your account as follows:

• No administrative fee will be assessed for filing insurance claims; we will provide this service as a courtesy.
• You must provide our dental staff with accurate insurance billing information at the time of your appointment, or you will be responsible for payment in full.  (When possible we prefer to receive insurance information in advance of your appointment so that we can avoid delays in estimating your benefits at the time of service.)
• Our administrative staff will research insurance benefits and estimate coverage based on our insurance expertise.  We do not guarantee our benefit estimates to be correct and are not responsible for benefits that are not paid exactly as estimated.
• You are responsible for paying deductibles and estimated co-payments when making appointments. You are also responsible for paying all charges not covered by your insurance plans, including all fees considered above your insurance policy’s usual and customary fee schedule.
• Information requests to you from the insurance company and/or our practice must be promptly responded to.
• Insurance benefits are a contract between the patient and his/her employer.  The coverage a patient will receive depends upon the quality of the plan purchased by his/her employer, not the fees of the doctor.

Please Note

You are financially responsible for all services provided at Contemporary Dental.  Any insurance benefit not paid as estimated is your responsibility.