We offer convenient payment plans and affordable schedules for payments. We recognize patient needs in circumstances where individuals and families have had difficulty paying for dental services and try our best in these circumstances to find a comfortable way to make a payment arrangement.
For your convenience, we accept Visa®, MasterCard® and Discovery cards. We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time service is rendered unless other arrangements have been made in advance.
If you have questions regarding your account, please contact us at 773-561-5106.
Often, a simple telephone call will clear any misunderstandings.
We will send you a monthly statement. Most insurance companies will respond within four to six weeks. Please call our office if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated. We can make arrangements for a monthly payment plan but this must be done prior to the actual procedure.
DENTAL INSURANCE INFORMATION
Many patients with dental insurance feel they are well covered when they visit the dentist. They are quite surprised when they find out they have to pay more than expected or for the entire treatment even with their insurance coverage. Most patients are well informed through their company on the basics covered, cleanings, X-rays, fillings, etc. Since it is ultimately the patient’s responsibility to pay the final balance, it is a good idea to know the underlying details behind insurance coverage in most cases.
DENTAL INSURANCE HIGHLIGHTS
- YEARLY MAXIMUM – This the total amount your insurance company will issue in checks to your provider during a 12-month period, if you have a $1500 maximum it does not mean you can go out and get two treatments for $750 each. Your insurance covers a percentage of each treatment; they will continue to pay on approved treatments until they reach the maximum within the time allowed. The benefit year doesn’t always run from December to January, you should be aware of when your coverage year ends in order to coordinate your treatments in a timely manner and not lose any of your yearly benefits. Remember, if you do not use your maximum, you lose it. Some plans allow a separate maximum for orthodontic treatments.
- DEDUCTIBLE – this is a yearly fee paid by you and must be met before your insurance starts paying your treatment claims. The dental office generally collects this during your visit. Understand what your individual and family deductible is. If you are a family of three and your family deductible is $150, each family member will pay $50, until the $150 is met. Most plans do not require you to pay this deductible during your initial diagnostic and preventative visit (routine cleaning, X-rays, exams), but when you have an actual treatment performed.
- CROWNS PRIOR PLACEMENT – Many plans have what they call “prior placement”. This means that if your crown is to replace an existing crown, they want to know when the existing crown was placed in your mouth. The insurance company will not pay for a replacement crown if the existing one is less than 5 years old. If the original crown was done at a different dental office, the doctor will rely on your statement of when you think it was originally done and notify the insurance company. Many plans will only pay for a certain type of crown (metal, porcelain over metal). If you want a cosmetic-rated product, such as full Ceramic and Zirconia crowns, you will be responsible for your co-pay plus the difference in the product fee.
- FILLINGS – Many plans will not pay for all composite fillings; they downgrade any fillings done on posterior (back) teeth to Amalgam (black/metal) fillings. If your insurance plan covers 80% of fillings, your co-pay is 20% of the Amalgam fee and you are also responsible for the difference in fees between the two types of fillings. Generally, an insurance company will pay for a filling on the same tooth every two years. Obviously, this doesn’t apply if you switch insurance companies.
- CO-PAY – This is a confusing subject for most patients. They often confuse co-pay with deductible. Co-Pay is the percentage of the treatment you share in paying with your dental plan, if something costs $100 and your plan covers 80%, you pay $20 and they pay $80. It is essential that you find a dental office that not only accepts but also is contracted with your insurance company. A contracted dentist agrees to accept the plan’s discounted fee schedule, which translates to savings for you. By visiting a contracted dentist, your yearly maximum covers more treatments. A non-contracted dentist usually gets paid based on his usual and customary fees (UCR).
- FREQUENCY LIMITATIONS – this is the number of times you can have a certain procedure performed during your coverage year. Many plans allow 2 cleanings a year. You must really understand whether you can have 2 cleanings “anytime” during the year or exactly 6 months apart. If for any reason you were to go to a dentist and in less than 6 months, go to a different dentist and have a cleaning done. You will get the statement in the mail to pay for a visit.
- BRIDGE MISSING TOOTH CLAUSE – Let’s say years ago you had a tooth extracted and you left that spot open because you couldn’t afford a bridge or implant. Now you have dental insurance, you are excited to see your dentist because you are finally going to have a bridge placed to fill that gap, right? Well, we hate to burst your bubble, but if your insurance plan has a missing tooth clause, it means that if the tooth was not extracted in the last 6 months, they will not authorize your claim for a bridge and you will be responsible for the entire treatment.
- WAITING PERIOD – Many insurance plans have a waiting period on major services. The amount of times varies, but what this means is that for a period of time, your insurance will only pay for diagnostic, preventative and basic services (X-ray, cleaning, exam, fillings). You can only use your insurance for major services (crown, bridge, etc.) after you have had the plan for a period of time. You need to be aware of this.
- EOB – Explanation of Benefits. Please check your mail for the statements from your insurance company. Call your insurance company with any questions regarding payments made. Remember that patients are responsible for any unpaid balance from the insurance company.
We cannot say your plan will have all these limitations, but can almost guarantee it will have one or more of these. A well-informed patient is empowered to make the right decisions. Here is a quick matrix to help you quickly view everything mentioned:
Patients are responsible to pay any charges not covered through insurance benefit, including but not limited to: non-covered services, applicable deductible and/or co-insurances as defined by your policy or any fees for services in the event that do not have insurance coverage for any reason, including termination of coverage.
