Patient Information

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• Financial Arrangements & Dental Insurance
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Financial Arrangement Policies and Dental Insurance Information

Dental Insurance

We strongly feel that our patients deserve the very best possible dental care we can provide. At all times, you can be confident that we will always provide you with our best services without regard to the limitations imposed by your insurance coverage. In an effort to maintain this high quality of care, we would like to share with you some facts about dental insurance.

Your dental plan is a form of compensation provided by your employer. There are literally hundreds of plans, each unique in its scope and coverage. You can expect the carrier (insurance company) to reimburse you for a portion of our fee. That portion is determined by the contract between your employer and the insurance company but generally covers 30 to 80 percent of fees with a yearly maximum between $500 and $2000. The higher the premium paid by your company, the more generous the reimbursement. Since most insurance carriers base their benefits on a schedule of average fees over diverse geographic and economic regions, our fees will generally be higher than their “reasonable and customary” fees. We urge you to be fully aware of the provisions of your dental plan.

Although we are not a party to the contractual arrangement between your insurance company and your employer, we do want to help you receive the maximum reimbursement to which you are entitled. If you would like to know what your insurance benefits will be before you begin treatment, we will submit a pre-determination on a form that you provide to us. As a convenience to you we will help you process your insurance claims in order for you to receive this maximum benefit. We will also gladly provide dental x-rays and a written diagnostic report should your insurance company have any questions about the services provided.

Please be assured that our office will do our very best to assist you in maximizing your insurance benefits for dental treatment. Please contact us if you have any questions regarding our handling of insurance matters.

Senior Citizens will receive a 10% discount for cleanings (exclusive of x-rays).

Available Dental Payment Plans

1. For routine maintenance care and dental hygiene appointments, payment is due at the time treatment is rendered.
2. For treatment over $500.00, we offer a book-keeping courtesy of 5% of the total fee. Payment must be made in full prior to treatment by cash or check only.
3. For crowns, bridgework, dentures, and endodontics, an intitial payment of one-half of the total fee will be required at the beginning of treatment and the balance is due when work is completed.
4. Credit Cards: MasterCard, Visa, American Express, and Discover Card.
5. Dental Insurance plans: Our professional services are rendered to you, not to your insurance company; therefore, we feel it is appropriate for your insurance company to pay you directly. You are responsible to us for payment. We will make financial arrangements directly with you. At the end of each appointment, we will give you a standard insurance form for you to mail to your carrier.
6. Delta Dental of Massachusetts Insurance: Since we have a contract with this insurance company, we ask that you only take care of your "co-payment" at the time of service. For fillings, 30% of the fee. For crowns, bridgework, dentures and endodontics, 60% of the fee.