Información financiera
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El costo de su tratamiento puede variar según sus necesidades individuales, el plan de tratamiento y su seguro dental. Nuestro personal discutirá el costo del tratamiento recomendado por el médico y las opciones de pago disponibles para que pueda tomar la mejor decisión para usted, su sonrisa y su familia.
Opciones de pago
Tu sonrisa es tuya para siempre, y queremos que sea lo más fácil posible para que recibas la mejor atención siempre que la necesites.
Nuestra práctica acepta la mayorÃa de las principales tarjetas de crédito y planes de seguro dental PPO.
Ofrecemos opciones de financiamiento con CareCredit®. CareCredit®, una compañÃa financiera de Synchrony, le brinda opciones de pago convenientes para que pueda obtener el procedimiento que desee, cuando lo desee.
Estos son los beneficios de financiar con CareCredit®:
Puede comenzar el tratamiento de inmediato.
Disfrute de pagos mensuales bajos.
Financiar hasta el 100% del costo del tratamiento
No pague cuotas anuales.
Se puede utilizar en cualquier entorno médico que acepte CareCredit.
Seguro
El personal de nuestra oficina está siempre disponible para ayudarlo con sus reclamos y preguntas sobre seguros. Podemos facturar la mayorÃa de los planes dentales PPO. Si bien trabajamos con su proveedor de seguros lo mejor que podemos, no estamos al tanto de todas las tarifas del seguro dental. Sin embargo, siempre podemos preautorizar cualquier tratamiento que el médico recomiende con su seguro según su solicitud para obtener la estimación más precisa.
Háganos saber si tiene alguna pregunta sobre la cobertura de su seguro; y háganos saber cómo podemos ayudarlo a hacer que toda su experiencia dental sea placentera.
No dude en llamarnos al (707) 963-4611 si tiene alguna pregunta sobre nuestra polÃtica financiera.
How
Dental Insurance
Works*
*(and doesn't)
DENTAL INSURANCE IS NOT LIKE MEDICAL INSURANCE
Medical insurance typically affords you small co-pays and full coverage against larger expenses; however, dental insurance is more comparable to a discount, coupon or a supplement. Dental insurance will ultimately save you a few bucks, as it should cover a percentage of most services we administer for your oral health needs.
DENTAL INSURANCE HAS SEVERAL LIMITATIONS:
Annual Maximum:
Most insurance policies limit the amount they will pay for you each year to an annual maximum; which typically only ranges between $500 and $2500.
The way your insurance pays out this maximum depends on your coverage percentages.
Coverage Percentages:
Each policy has its own set of coverage percentages (typically ranging from 40%-100%) for different categories of service:
​
- Preventive (cleanings/exams)
- Basic Restorative (fillings/deep cleanings)
- Major Restorative (crowns/extractions)
​
The dollar amount these coverage percentages become is dictated by the insurance company’s maximum price allowed for each dental service, this is called their fee schedule. The insurance company's fee schedule always differs from the office's prices and charges; which is typically why a patient is left with a balance, even after they've paid their estimated out-of-pocket.
​​
Fee Schedule:
A fee schedule is a price list made by insurance companies of the maximum prices they will allow for each dental service.
We are never privy to an insurance company’s fee schedule which is why we can only ever provide you with treatment estimates, not exact quotes. This means, you should always expect to receive an invoice after insurance has paid their portion, even if you’ve already paid your estimated out-of-pocket amount at the time of treatment. You can always request a pre-authorization be submitted to your insurance for a better idea of what your insurance might actually pay. Pre-authorizations are still only estimates, but are typically more precise.
YOUR DENTAL OFFICE WORKS WITH YOU, NOT YOUR INSURANCE
The dental staff are not insurance specialists. The staff are trained to simply bill your dental insurance as a courtesy to you in order to alleviate the stress of sending and keeping track of your own claims. We use your signature on file to show your insurance we have permission to send claims and receive payments on your behalf. By signing your treatment plan and/or completing your scheduled treatment, you are agreeing to be 100% responsible for our rates for the services, regardless of the outcome of the insurance claim.
Every service being diagnosed or recommended by the doctor and dental providers is for the benefit of your oral health and based on your specific dental needs and the current condition of your teeth and gums. Dental providers will not limit diagnoses to what insurance covers or for any other financial reason; rather, alternatives can be discussed to find the route of treatment that works best for you and your finances. The dental office is aware of how costly the procedures can get and because dental insurance only covers so much, we do offer interest-free financing through Care Credit. See the information above regarding Care Credit.
