What About Finances?
At THE FUN KIDS DENTIST we do all we can to make dental health affordable. If you do not have insurance, we make available a discount for parents who pay-in-full at the time of service. For our orthodontic patients we provide an optional pay-in-full discount and if you are willing to make all your visits in the morning, it can save you money as well. If you have multiple children in orthodontic treatment we take that into consideration also.
Our fees are based on the treatment necessary and the time involved and may vary according to the intricacies of each case. We accept cash, Check, Mastercard, Visa, Discover and Care Credit®.
We offer payment plans for extensive treatment, including orthodontics. You can also make an online payment via our website.
We are now able to email your account statement instead of mailing a paper copy. If your preference is email, please send us your correct email address with your name and account number. This email will also be used for appointment reminders.
Please provide us with your insurance card at your first visit and keep us updated of any changes such as policy name, insurance address, subscriber ID or change of employment.
We file dental insurance claims as a courtesy to our patients. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim.
All of the doctors are considered an “out of network” provider for any PPO’s or HMO’s. This does not mean that your insurance will not cover treatment but may mean that payment is sent directly to you instead of TFKD. You are then responsible for forwarding payment to us. Please contact your insurance carrier or visit their website for further benefit information.
#1- No Insurance Pays 100% of all procedures. 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.
#2-Benefits are not determined by our office. You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary or reasonable fee (“UCR”) used by the company. Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and chooses a level they call the “allowable” UCR fee. Frequently, this data can be three to five years old and these “allowable” fees are set by the insurance company so they can make a net 20-30% profit.
#3-Deductibles & Co-payments must be considered. When estimating dental benefits, deductibles and percentages must be considered. Before the insurance considers your benefit, they will subtract your deductible and then pay a percentage of the fee remaining or their usual and customary for that service.
#4- It’s important to know your maximum benefit amount for the calendar year. Any benefit which remains unused at the end of the year will be lost.