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Parkcrest Dental Group Financial Information
Costs for services at the Parkcrest Dental Group will depend on your specific treatment needs and any services provided. Your dental professional will go over all of your treatment plan options with you so that you can make the best-informed choice for your dental health!
Convenient Payment Options
We make having great smiles easy, and are always happy to provide you with information about financial options so you can achieve your best smile!
Our practice accepts most major credit cards and insurance plans, as well as offering financing through Care Credit and Wells Fargo Health Advantage® credit card* program (financing subject to credit approval).
*The Wells Fargo Health Advantage® credit card is issued with approved credit by Wells Fargo Financial National Bank.
The Parkcrest Dental Group is able to file to most insurance companies that allow you to choose your own dental provider, and in order to help you maximize your benefits, are happy to file claims for you! Please let us know if you have any questions about your insurance coverage and our insurance coordinator can assist you.
Insurance Plan Information:
In an effort to help you understand your insurance policy and maximize your insurance benefits, we would like to share some information about dental insurance with you.
#1
Dental insurance is a contract between you (the subscriber), your employer and the insurance company. We are not a party to that contract. There are many times that you as a policyholder will have details of your specific plan that your insurance company will not disclose to your dental providers. This means that specific limitations, exclusions, waiting periods, and alternate benefits paid for certain services may only be made clear in plan documents given directly to the insurance holder.
#2
Dental insurance is not meant to cover all fees. It is meant to be an aid to your investment in your dental health care. Many routine dental services are not covered by dental insurance. Insurance benefits given by your insurance company to any dental staff is never an absolute guaranty of benefits. While insurance companies will often provide estimates to dental professionals, the insurance companies are not required to abide by the estimates they give, and any non-contracted services that are not covered by the insurance company are balance billed to the patients.
#3
Not all insurance pays 100% of all procedures, even if you are in-network. Dental insurance is meant to be a supplement in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.
#4
Usual, Customary or Reasonable Fees, UCR, a term used by your insurance carrier, is an amount which the insurance company chooses to pay for each procedure. It is not always based on the average charge of practicing specialist in the area; it is merely the “allowable” amount they will reimburse. At Parkcrest Dental Group, our fees are within range, if not lower than other pediatric and general dental offices in the area.
#5
Insurance companies will not release the exact amount they will pay for a procedure until the treatment is completed and the claim is submitted. They will only state the estimated percentage of their fee schedule that may cover. If you have any questions regarding your insurance, we ask that you contact your company regarding the specifics and details of your plan.
The Parkcrest Dental Group will make every effort to assure you receive maximum benefits from your policy. As a courtesy to all of our patients, we are happy to file your insurance at no charge! In order to provide this service, we do ask that you please keep us informed of any insurance changes throughout the year such as changes in name, policy information, insurance company address, or change of employment before each appointment.
You will need also need to provide your date of birth, insurance company name, phone number, group number, and insurance company specific identification number. Once these are provided, our staff of friendly business assistants will call your insurance company for you to get estimates of coverage on procedures, as well as be better able to provide you with personalized treatment plan estimates to get you on track towards excellent dental health.
Please do not hesitate to ask questions about our financial policy. We want you to be comfortable with the investment you have made in your oral health! Contact the Parkcrest Dental Group today.