Dental Insurance Benefits and Limitations:
Dental insurance is a great adjunct to help offset some of the costs associated with routine dental care. Generally, dental insurance only pays a portion of your dental care. We strive to maximize your insurance benefits based on your coverage and policy limitations.
For your convenience, we are pleased to file your treatment claims on your behalf to your insurance company. For those who wish, we will submit pre-treatment estimates prior to any treatment. Unlike medical insurance, all dental insurance plans have an annual maximum spendable limit (usually $1000-$2500), require payment of co-pay at the time of service, and most do not cover advanced dental treatments, such as implants, cosmetics, and adult orthodontics.
Your specific insurance plan is a contract purchased by your employer from an insurance provider. The terms of the plan are set by your employer. Most employers offer several tiers of plans with different coverage schedules, deductibles and maximum allowances. We recommend signing up for the premium plans if you need extensive dental treatment. 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. To do otherwise would violate our contract with you — a contract we feel morally obliged to honor. Our philosophy of treating you using our professional judgment and experience along with guidelines set by American Dental Association (ADA) and Academy of General Dentistry (AGD) is not compatible with the restrictive nature of many insurance plans. Accordingly, our office is not a contracted provider with HMO and DMO plans.
We accept assignment of benefits for most insurance companies and we are a network participating provider for MetLife plans.
Dental Insurance Types:
Traditional benefit ("indemnity") plans do not stipulate where you can go. You can see any dentist (including us!) and receive the full benefits of the policy.
If your benefit plan is a PPO other than MetLife with which we participate, you will still be able to use it in our office, however your benefits may be slightly less than if you went to a dentist on their restricted list of contracted providers. Depending on the benefit level of your PPO plan, you may actually not see any difference in the amount of your co-pays between our office and a participating provider.
If your plan is an HMO / DMO, you will receive benefits only if you see a dentist on their very restrictive list of contracted providers. Naturally, it will be our pleasure to serve you; however, your HMO plan will not cover any of your costs at our office.
Payment Options & Payment plans:
We accept major credit cards (Visa, MasterCard and Discover), debit cards, cash and personal checks. Those with dental insurance will be responsible for their co-payment portion and/or deductible at the time of service. You will receive a monthly statement if a balance is due after insurance payment. Most insurance companies will respond within four to six weeks. Please call our office at (919)363-3133 if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. We also offer no interest payment plans through Care Credit. You may sign up for these financing plans for any amount (no minimum).
Fees can vary widely from office to office. Many factors can affect fees including the doctor's knowledge, experience, and skills. The quality of the results and service are oftentimes proportional to fees. We believe our fees reflect our ability to deliver on all of those factors at peak levels while creating a great value for our patients, and we have kept our fees highly competitive. Depending on your insurance plan, most times you will have very little if any co-payment for routine exams, x-rays and dental cleanings.