What can you tell me about Dental Insurance?
Dental Insurance isn't actually an "insurance" to cover the cost of a loss. It could more accurately be described as a monetary benefit. It is a benefit that is designed only to pay for a portion of your routine dental care. Only very rarely will your benefit actually cover the cost for 100% of your treatment.
Do you take my dental insurance?
We routinely submit insurance claims to hundreds of carriers as a courtesy to our patients. In most cases we will be able to assist you with your insurance claims. We will always do our best to help you maximize your dental benefits. Please keep in mind that the mandate of insurance companies is cost containment, not your oral health. This strategy does not necessarily equate to quality dental care. Because of this, we choose not to be a defined provider for any one specific company. Please call us today to see how we may help.
How does my insurance carrier determine their allowed payments?
Your carrier negotiates the fees that will be paid for each dental procedure with your employer. Policies are designed with more or less benefit, depending upon the amount of premium an employer is willing to invest in that policy. Your employer also negotiates your annual maximum payment, as well as with procedures will, or will not receive benefit. Your carrier will describe these fees as "UCR" (usual, customary and reasonable). Their determination is not however based on necessity, or an actual market fee for the area. They are simply the negotiated fees that were previously determined with your carrier and employer. The actual market dental fees being charged in a region will usually differ from these negotiated fees.
Why doesn't your practice participate in my dental network plan?
The great majority of these network plans simply do not offer a fair and equitable fee for our services. Our practice places an emphasis on quality of care, not quantity of care. This quality of care is not valued by many network plans. We strive to be one of Colorado's best dental practices, not one of its biggest practices.
Do you offer any extended payment arrangements?
Yes. Our goal is to provide our patients with exceptional dental care. This quality of care is an excellent investment in your health and well being. We believe that financial considerations should not be an obstacle to obtaining necessary dental treatment. In addition to our acceptance of most major credit cards, we can offer extended payment arrangements through Care Credit. Once your treatment plan has been agreed upon, Leslie may contact this company on your behalf. In most cases, approval status will be determined during your office visit. Care Credit offers no interest options for up to 12 months, low monthly payments and no prepayment penalties.
