Q. Do you accept my insurance?
A. We accept most types of dental insurance except DHMO/HMO, Medicaid or State plans. As a courtesy, we will submit your dental claims to your insurance company and apply payments to your account. Even if we are not an in-network provider, we will still submit all claims for you. We request payment of the estimated patient portion at the time of service. We are only in-network with Delta Dental Premier. If you are not sure if we accept your dental insurance, please contact us or directly contact your insurance. Please visit Delta's website for further questions on the difference between PPO and Premier plans.
Q. What is the difference between DHMO and PPO?
A. At our practice we do not accept any DHMO/HMO, Medicaid or State plans. We accept most PPO and Premier plans. DHMO, also known as dental health maintenance organization, may have lower premiums and no annual maximum but will have smaller networks. PPO, or preferred provider organization, can have better out of network coverage and allows for more flexible options when it comes to choosing a dental provider. However, there may be deductibles, and plans will usually have an annual maximum. Insurance companies offer a variety of different plans, each with different benefits, and there are times when the recommended treatment may not be covered even if we participate in-network. It is always best that you contact your insurance company for concerns regarding exact benefits and co-insurance.
Q. You are out of my dental benefit network. Can my children still receive care at your practice?
A. Yes! We submit claims on your behalf to any PPO or Premier insurance plan. If your plan is out-of-network there may be a balance remaining on the account after insurance pays. The best way to find out what your benefit plan covers is to contact your Insurance Plan Provider directly. Our office staff can also submit a “predetermination of dental benefits” on your behalf for any proposed treatment.
Q. Will this treatment be covered by my insurance?
A. Any treatment plans determined by our doctor will be submitted to insurance for a "predetermination of dental benefits” before the scheduled appointment. Once we receive the estimate from the insurance, we will directly email you a copy or call you at your request. We request payment of the estimated patient portion at the time of service. The "predetermination of dental benefits” is not a guarantee of payment; it is only an estimate. Your insurance may potentially provide you a copy of the "predetermination of dental benefits” as well. If we do not receive a "predetermination of dental benefits" before the scheduled appointment, a rough estimate will be provided to you. We recommend directly contacting your insurance company with any questions about your benefits.
Q. Any questions you have that are not listed here?
A. Please give us a call at (847)662-7755 and we will be happy to answer any questions!
