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If you have dental insurance, please provide us with all the information you have before your appointment so we can help you maximize your insurance benefits (Insurance card, contract number, group number, name of insured if other than patient, insured’s social security number, date of birth, and employer or policy holder). While we never base treatment needs or options on dental insurance, we do want to help you receive the appropriate coverage and benefits available in your plan.
Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the numerous varieties of insurance contracts. In addition, many insurance companies will change their coverage or policies without notifying the providers. Dental insurance, unlike medical insurance, does not pay 100% of your treatment needs; dental insurance plans pay percentages of certain procedures. There is usually a patient portion for every procedure, and as a courtesy to you our office will provide you with an estimate of what your portion of the treatment will cost. This estimated amount is due at the time of service. As a service to our patients, our staff will file your insurance claim for you at no additional charge. If you have more than one insurance, we will file all additional insurances but our collections will be based on the primary insurance only. If your insurance pays more than we expect, any overpayment will be credited to your account or issued as a refund upon request. Please note that any fees not covered by insurance for any reason will be the responsibility of the patient. If you have any questions or concerns about your coverage, please ask – we want to help and avoid any misunderstanding!
Innovation Family Dental is a preferred provider for nearly every insurance available in the Auburn/Opelika area. A complete list can be found below:
- Blue Cross Blue Shield of Alabama and Georgia
- Delta Dental
- Principal & Ameritas
- United Concordia
- United Healthcare
We also accept and file all out-of-state insurance plans.
Frequently Asked Questions About Dental Insurance.
Q: I have insurance, so why is there an out-of-pocket expense for my treatment?
A: Dental insurance generally offsets the cost of treatment, but doesn’t pay for it entirely. On average, dental insurance covers 80-100% of preventative (cleaning, exam and x-rays), up to 80% of restorative (minor fillings) and up to 50% of major work (crown and bridge). We do our best to estimate your portion of the payment before you leave our office, but with literally hundreds of insurance companies and thousands of individual plans it’s simply impossible for us to know all of them. That’s why it’s so important for you to know your plan and take charge of your health!
Q: You told me I owed one amount, but now I have a bill for more. I thought my insurance company was supposed to cover this. What happened?
A: We do our best to estimate your out-of-pocket cost before you leave our office. It’s always our goal to be as accurate as possible about what you owe for your visit. As much as we try to be experts on every person’s dental insurance, our real expertise is in dentistry! We encourage all patients to be advocates of their own health. But rest assured that we will do everything in our power to make sure you get the full benefit owed to you by your insurance company.
Here are a few reasons why you may have received a bill:
- Your insurance plan paid a lower percentage than it lists on is coverage table for the procedure.
- The treatment you needed was not covered by your plan.
- The insurance company decided it would not cover the procedure because it deemed a cheaper treatment would fix the problem. In this case the insurance company is making a decision for thier own benefit, not yours.
- You have not met your deductible.
- You have not reached the end of your plan’s waiting period and are ineligible for coverage.
- You’ve maxed out your plan (used up all your benefits on other procedures) and no longer have coverage until the plan resets next year.
Q: I have more than one insurance, will I have to pay anything?
A: Our estimates will be based on your primary insurance only. In most cases, when one insurance company pays on a certain procedure the secondary insurance does not cover or make any payments toward the same procedure. As a courtesy, we will often file both insurance claims, and if there is an overpayment a credit will be issued to your account or a refund will be issued upon request. There are cases where we will not file both insurances for the same procedure.
Q: The dentist says I need a certain procedure, but it isn’t covered by my insurance. Why not and isn’t there some other procedure that would work just the same?
A: Dr. O'Brien and Dr. Donaghey diagnose and provide treatment based on what you need, not based on what your insurance covers. Car insurance doesn't pay for everything your car needs to operate; dental insurance is similar to this. Some employers or insurance plans exclude coverage for necessary treatment to reduce their cost. If you’re having trouble affording your dental care, ask us! We offer financing options and if the procedure allows, we can sometimes spread out treatment a little to help you afford it.
Q: I saw a different dentist this year. How do I know how much dental benefit I have left this year?
A: We highly encourage you to call your insurance company and ask. And be sure to let our business staff know about any dental appointments you have had at another office during the benefit year. This will help to ensure you receive your full benefit at upcoming appointments.
Q: My dental insurance has changed. What should I do?
A: Most employers distribute new insurance cards when changing the plan, but sometimes a plan changes without the distribution of new cards or a new group number. It’s always best to ask. If your plan changes or you have a new insurance carrier, call us to let us know about these changes right away. We can update your chart before your next appointment, saving you time waiting and filling out forms in the office. Plus, this will increase the accuracy of your estimated expense the next time you visit us!
Patients without Dental Insurance
If you do not have dental insurance, you can still recieve treatment in our office! We can provide you with an accurate estimate for your treatment costs before beginning treatment so there is a clear understanding of what your treatment will cost. All costs for treatment are due at the time of service.
We now offer an in office insurance plan. This plan has many advantages over traditional plans. Click Here to learn more
Our payment options include cash, check (with proper credentials),VISA, MASTERCARD, and DISCOVER credit cards as well as debit cards.
Quotation of Dental Fees
Dental fees quoted by this office are valid for 3 months from the date issued and are subject to change after this period.
For patients who would like to make monthly payments for their treatment, our office offers an interest free way to finance the cost of treatment through a third party company called Care Credit. For qualified applicants, most treatment can be paid for interest free for the first 12 months. To apply and for more information on this service, please click the link below.