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Our office accepts
payment towards your balance from most insurance companies. If we accept
your insurance towards payment, your yearly deductible is due at the time
services are rendered. We will estimate this as closely as possible. We
must emphasize that as health care providers our relationship is with you,
not with you insurance company. While we help obtain the maximum insurance
benefits you are entitled to receive, all charges are your responsibility
if we do not receive payment from your insurance company for any reason.
We are a participating provider in the following
Insurance Plans:
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Aetna Dental PPO
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First Ameritas / Principal
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Careington
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Guardian
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Connection Dental
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Horizon Healthcare PPO Network
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Delta Dental Premier
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Horizon Healthcare Traditional Dental Network
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Delta Dental Preferred (PPO)
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MetLife PDP
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Dental Health Alliance/Assurant Employee Benefits
(formerly Fortis Benefits)
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Mutual of Omaha
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Dentemax
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Oxford PPO
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Empire Blue Cross/Blue Shield
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The Principal Plan Dental PPO
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Empire Dental Premium Care PPO Network
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United Concordia
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Empire Health Choice Federal Employee Program (FEP)
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United Health Care
(Dental Benefit Providers)
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If you insurance plan
is not on the above list, please call the office to check as to whether we
accept your plan. We accept new plans all the time!
Please understand the
following:
1. Your insurance is a contract
between you, and your insurance company and/or your employer. We are not a
party to that contract. The range of benefits depends solely on what your
employer wishes to purchase;
2. The financial obligation for
dental treatment is between you and our office. The insurance company is
responsible to you, and not to our office. We will assist you in any way
that we can, but you are ultimately responsible for payment of treatment
from the day it was rendered;
3. It is our pleasure to assist
you by completing your claim forms. If your insurance carrier accepts
electronic filing, your claim will be transmitted via computer modem before
the end of the treatment day;
4. Please understand that your
patient share is only an estimate and is based upon the information
available to us. Some plans may cover as little as 30% or as much as 100%
of dental services, with most falling in the 40% to 80% range. Most plans
have a maximum amount they pay. It is usually between $1000- $1500 per
year.
5. Our fees are considered to
fall within the acceptable range from most insurance companies, and are
covered up to the maximum allowance provided by them. This applies only to
companies that pay a percentage (such as 80% or 50% ) of the usual,
customary and reasonable fee as determined by most insurance companies.
This does not apply to companies who reimburse based upon an arbitrary
schedule of fees, which bears no relationship to the current standard and
cost of care in this area. If your plan bases the amount of benefits on a
schedule of fees arbitrarily developed by the insurance company, you may
receive a lower percentage than the reimbursement level indicated in your
dental plan. For example, if your plan states that it will pay 80% of the
cost of a specific treatment, it means 80% of the fee arbitrarily
determined by the insurance company and not the actual fee charged by our
office;
6. Not all services are covered
by all plans. Insurance companies often arbitrarily select certain services
that they will or will not cover. The quality of your plan is usually
related to how much your employer is willing to pay for the plan. While we
will do our best to get benefits for any service you may need, any charges
not paid by insurance are your responsibility.
If you have any questions about the above information or are
uncertain about your insurance coverage, please do not hesitate to ask us.
We are here to help you.
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