We share your concerns regarding the increasing cost of Health Care. We believe that you, our patients, expect and deserve the highest quality care we can provide at a reasonable cost. While we take advantage of every possible avenue to keep cost down, we are committed to not sacrificing quality for less expensive care. With this in mind, we would like to share some information with you about our financial policy. We want you to feel comfortable with us regarding your financial and insurance matters and thereby prevent any misunderstandings. We hope you will consult with us if you have any questions regarding our services and our financial policies.
Many people who have insurance think that the insurance company owes the doctor for services, not the patient. Please keep in mind that any insurance is a contract between the patient and insurance company. Therefore, the patient is responsible for the bill, regardless of insurance coverage. As a courtesy to our patients, we are happy to bill your primary insurance for you. However, the responsibility for payment remains with the patient (or insured).
Patients with Insurance
At the time of treatment, patients are required to make an initial payment toward their insurance deductible. Many insurance plans state that you will be covered up to 50%, 80%, or 100%. In spite of that statement, we have found in actuality that many plans may cover less then that depending upon their established “usual and customary fee” and what services they actually cover. Insurance companies use the term of “usual and customary fee” when setting fee limitations on services. Please be aware that insurance companies will pay a claim percentage based on their “usual and customary fees”, not actual charges.
To determine exactly what portion of your bill will be covered by insurance, we will gladly request a pre-determination by your carrier. However, this may require up to 4 weeks to be processed by the insurance.
Our fees are based on the current ODA fee guide. Any portion owing, which is not covered by the insurance is payable at the completion of the each appointment.
Patients without Insurance
Patients without insurance are required to pay the charges at the time of treatment rendered.
Cash, Debit Card, Visa, MasterCard and American Express Card may be used for payment on your account.