Insurance

We are a Premier Provider for Delta Dental© and do accept most insurances. However, we are not networked with any insurance company except Delta Dental. If you are limited to a dental network, we would be considered “outside” of your dental network.

We will be happy to go over benefits with you to determine approximately how much your insurance company will pay on a given procedure. But, the ultimate responsibility lies with you.  We offer this service as a courtesy to our patients. We strongly suggest that you be aware of what benefits you have and the services you are eligible for before your appointment. We will be happy to provide you with a pre-estimate to submit to your insurance company before treatment.

As a courtesy, we will submit your claim electronically to your insurance company. Please be aware that most dental plans do not cover 100% of the cost of your treatment. Because of this, and the extreme delay in receiving payment from the insurance company, you will be asked to pay your deductible and the estimated portion of your charges the day service is rendered.  Please remember, this is only an estimate, not a guarantee of payment by the insurance company, and is based on the information available to us from your insurance company. 

Treatment should be based on an informed decision by you, not an insurance representative.

You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

The impression is that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules. Each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Many times this data can be 3 - 5 years old, with the "allowable" fees set by the insurance company to make a 20% - 30% net profit.

If your insurance company pays less than estimated, please take the matter up directly with the insurance company.