HOW DOES ORTHODONTIC INSURANCE WORK

There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit.  Orthodontic insurance, however, generally differs from regular dental insurance in that each insured member or the family usually has a lifetime maximum benefit for orthodontic services.  There are often age limitations.  This benefit is paid as a percentage of the orthodontic fee (diagnostic records, initial fee, monthly payments, etc.) until the benefit maximum has been reached.

HOW DOES OUR OFFICE ASSIST WITH INSURANCE?  

At the initial examination we will provide you with an estimate of your insurance benefits.  For your convenience, we will gladly assist you in submitting insurance claims relating to charges for care rendered in our office.  Please be advised, however, that our primary financial relationship is with our patients or their families and not with their respective insurance companies.  Final responsibility for collection of insurance benefits rests with the insured party.  Our professional services are rendered and charged directly to the patient or their family, and they are responsible for payment of all fee incurred  

Practice Accepts Assignment of Benefits

Professional Fee=Patient Account

Less Estimated Ins. Benefit paid directly to office

Equals Patient Account Balance paid based on financial agreement

 THE FOLLOWING GUIDELINES ARE ADVISED:  

Each patient is encouraged to know what the benefits are before treatment starts.  If you are not sure, contact your insurance company so that you will know exactly how much you can expect to be paid and when to expect payment.  We would be glad to assist you in obtaining this information.  We ask that you provide us with the name, address and telephone number of your insurance carrier as well as a copy of your card with all the appropriate information.  We cannot render services on the assumption that our charges will be paid by an insurance carrier.  You may, however, endorse your insurance payments to our office.  We will be happy to credit these to your “insurance” account.  If your company notifies you that it requires verification of continuing treatment, please let us know and we will make appropriate arrangements to forward that information to your insurer.  If your insurance carrier provides a form for verification of continuing treatment we will be glad to complete it.  If they do not, we will generate one as necessary.  If in the event you or your employer terminates the insurance during the course of treatment, you will be responsible for all remaining unpaid fees.  Please do not hesitate to discuss any questions you have in regards to this.