Financial & Insurance

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We aim to provide you with affordable, high-quality treatment that fits your budget! We offer a variety of payment options to meet your needs. Our office accepts payments by cash, checks, and Visa, MasterCard, American Express and Discover credit cards. If you have any questions about payment, please ask us! We will thoroughly explain your choices and work hard to accommodate your needs. 

Insurance

We participate with many insurance providers. As a courtesy to you, we will file your insurance claim for you as long as we have all of your insurance information at your appointment. We request that you become familiar with your insurance plan and be prepared to pay the amount that your insurance will not cover. Each claim is filed electronically, so your insurance company will receive the information a day or two after your treatment. Insurance companies are given 30 days to pay the claims. If there is a balance on your account after 30 days, you are responsible for that amount. A re-billing fee of 1.5% will be added to your account each month after 60 days that the balance is not paid. We will provide a refund if your insurance pays us during that time.

Our Entire Practice Participates With the Following Insurance Plans: 

Anthem, Carefirst (Grid Plus & Complete)

Delta Dental Premier, PPO Plus Premier & National Coverage, PPO

Aetna; Assurant, Guardian (through Aetna)

Cigna

BC/BS Grid Plus &  BC/BS Complete (Our Pediatric Dentists also participate with Grid & Prime)

Our Pediatric Dentists and Dr. Hubbard also Participate with the following Insurance Plans:

United Concordia, Sunlife Financial, Dental Network of America (including Dearborn National)

Metlife, Ameritas, Principal, Smiles for Children (Medicaid under 21)

Dental insurance is a contract between you and the insurance company. Therefore, we can only assist you in filing claims and estimating your portion of the cost. Our office is not responsible for the actions of your insurance company in how they handle claims or decide which benefits to pay. We are also not responsible for errors in filing your insurance.

It is important for our patients to have a good understanding of insurance in general and their own insurance plan:

  • Insurance does not pay the full amount of any procedure. 
    The amount paid for a procedure is determined either by how much was paid for coverage or by the type of contract established between your employer and the insurance company.

  • We do not determine your benefits.
    Sometimes the insurance company will reimburse at a lower rate than the dentist’s fee. The insurance company will state that this is because the fee charged by your dentist exceeded the usual, customary or reasonable fee (UCR) used by the insurance company. This statement is misleading and not true. Insurance companies set their own fees and pay for services based upon a range of fee schedules. These plans usually have a deductible that is pre-determined, which must be paid before the insurance company starts paying for care. When the deductible is met, the insurance company pays 50 to 80% of the UCR fees, which means the patient must pay 20 to 50% or more of the total fee.

    Often UCR rates are not representative of the local dental office fees. In general, insurance carriers set UCR fees way below the area dentist’s professional fees, leaving patients responsible for more “out-of-pocket” costs.