Our Financial Policies At All About Smiles Dentistry
All charges are your responsibility whether your insurance pays or not. Not all services are covered benefits in all contracts. Some insurance companies arbitrarily select certain services they will not cover.
It is your responsibility to provide our office with your complete insurance information in a timely manner. Most insurance companies have filing deadlines as part of their contract with you or your company.
It is your responsibility to know your insurance company’s patient responsibility and procedures and policy limitations. Policy limitations include exam, cleaning, and x-ray frequencies as well as maximum and co-payment responsibilities.
It is your responsibility to follow up with your insurance company and make sure they process payments in a timely manner.
Please note that our charges do represent the Usual and Customary Rates (UCR) for our geographical area and are based on the current Physician’s Fee Reference, but they may be higher than your insurance UCR.
Our Process and Policies
1. As a courtesy to you, we will submit a claim form to your insurance as soon as possible.
2. Once the claim has been submitted you will receive a statement from our office showing the balance on your account. If your insurance company does not pay your balance in full within 30 days from the date of submission, we will request that you contact your insurance carrier to speed things up.
3. If the insurance company does not pay in full within 45 days, we will require you to pay the balance due in cash, personal check, or credit card.
4. Balances older than 60 days may be subject to additional collection fees/court fees and interest charges. Returned checks will have an additional fee of $25 added to the amount of the returned check.
5. Please note that your insurance company policy is a contract between you and your insurance company. We are NOT a party to that contract. Our financial relationship is with you, not your insurance company.
6. Should payment be made from your insurance company to you, you are responsible for immediately forwarding it, plus deductible and co pay to our office. Failure to do so will result in additional interest and/or collection fees.
7. We understand that temporary financial problems may affect timely payment of your balance. We encourage you to communicate such problems to us that we can assist you in the management of your account.
8. In cases of divorce, the parent/guardian who brings in the child/children for treatment is responsible for payment and for collecting from the other parent or attorneys. Thank you for your understanding in this matter.