Payment Options
OPTION # 1 PREPAYMENT COURTESY :
BECAUSE
PROMPT PAYMENT REDUCES OUR CLERICAL COSTS, WE EXTEND OUR SAVINGS ALONG
TO OUR PATIENTS. 5% WILL BE SUBTRACTED FROM THE PATIENT OBLIGATION
(NOT FROM ANY PORTION DUE FROM THE INSURANCE COMPANY) IF THE PATIENT OBLIGATION
IS PAID IN FULL BY CASH OR CHECK AT THE FIRST TREATMENT VISIT. FOR SENIOR
CITIZENS (OVER 65), THE PREPAYMENT COURTESY IS 10%
(AVAILABLE ONLY IF THE TOTAL FEE IS AT LEAST $2000).
OPTION # 2 SIX MONTHS INTEREST FREE FINANCING:
WE CAN ARRANGE FINANCING FOR YOUR DENTAL TREATMENT WITH A REVOLVING LINE OF CREDIT THROUGH NORWEST FINANCIAL THAT DOES NOT CHARGE ANY INTEREST TO THE PATIENT AS LONG AS THE CREDIT IS PAID BACK IN FULL BY 6 MONTHS FROM THE ORIGINATION DATE. THE BALANCE CAN BE EXTENDED BEYOND 6 MONTHS. HOWEVER, A SUBSTANTIAL INTEREST IS ADDED TO THE ORIGINAL CREDIT AMOUNT UNTIL THE BALANCE IS PAID IN FULL. WE WILL HELP YOU COMPLETE THE SHORT APPLICATION AND SUBMIT IT FOR YOU. RESPONSE IS ALMOST IMMEDIATE.
OPTION # 3 TREATMENT PHASING:
FOR MORE INVOLVED TREATMENT PLANS, WE CAN OFTEN PROCEED IN PHASES. FOR INSTANCE, TAKE CARE OF URGENT PROBLEMS SUCH AS PAIN AND INFECTION WITH EXTRACTION, ROOT CANAL THERAPY, PERIODONTAL THERAPY AND ALLOW TIME FOR HEALING AND FINANCIAL RECOVERY BEFORE PROCEEDING TO THE RESTORATIVE PHASE. EACH CASE IS DIFFERENT AND REQUIRES A GREAT DEAL OF PLANNING SO AS NOT TO COMPROMISE ANY PREVIOUS TREATMENT DURING THE DELAY.
OPTION # 4
FOR OUR PATIENTS WHO HAVE PPO OR DMO INSURANCE PLANS, WE WANT TO ASSURE YOUR FREEDOM OF CHOICE OF DENTAL CARE PROVIDER WITHOUT CAUSING ANY FINANCIAL HARDSHIP. WE WILL EXTEND 30 DAYS CREDIT ON THE ESTIMATED INSURANCE BENEFIT FROM THE DAY TREATMENT IS BEGUN. DEDUCTIBLES AND CO-PAYS ARE DUE WHEN TREATMENT IS RENDERED. YOUR INSURANCE COMPANY WILL SEND YOU A CHECK FOR YOUR BENEFIT WITHIN 30 DAYS AND YOU WILL, IN TURN, PAY US YOUR BALANCE. REMEMBER, HOWEVER, THAT WE DO NOT GUARANTEE PAYMENT OF BENEFITS BY ANY INSURANCE COMPANY, AS MUCH AS WE TRY TO HELP YOU RECEIVE YOUR MAXIMUM BENEFIT. THEREFOR, AFTER 30 DAYS, YOU, THE PATIENT, ARE RESPONSIBLE FOR PAYMENT OF THE ENTIRE FEE, REGARDLESS OF WHETHER OR NOT YOUR INSURANCE COMPANY HAS RESPONDED TO OUR CLAIM.
VISA MASTERCARD DISCOVER
ANY BALANCE DUE TO US OVER 60 DAYS INCURS AN 18% ANNUAL PERCENTAGE RATE
INSURANCE
IF YOU HAVE DENTAL INSURANCE, WE WILL BE HAPPY TO HELP YOU DETERMINE COVERAGE AVAILABLE TO YOU. OUR COMPUTER IS SET UP TO PROVIDE THIS ESTIMATE. WE ASK THAT YOU ASSIGN THE INSURANCE BENEFITS TO US, UNLESS YOU PAY THE ENTIRE FEE IN ADVANCE. ANY BALANCE WILL BE ARRANGED BY YOU TO PAY AS LISTED ABOVE. PROFESSIONAL CARE IS PROVIDED TO YOU AND NOT THE INSURANCE COMPANY. THUS, THE INSURANCE COMPANY IS RESPONSIBLE TO YOU AND YOU ARE RESPONSIBLE TO US. WE WILL HELP IN EVERY WAY WE CAN IN FILING THE CLAIM ON YOUR BEHALF. THE AMOUNT PAID BY THE INSURANCE COMPANY WILL BE A PERCENTAGE OF THE ALLOWABLE BENEFIT (UCR) THAT IS DETERMINED BY YOUR INSURANCE COMPANY CONTRACT. THIS BENEFIT MAY BE HIGHER OR LOWER THAN THE FEE IN THIS OFFICE, SO THE ACTUAL PERCENTAGE OF OUR FEE PAID BY YOUR INSURANCE COMPANY MAY BE DIFFERENT THAN THE PERCENTAGE LISTED IN YOUR BENEFIT BOOK. IT ALL DEPENDS ON WHAT TYPE OF POLICY YOU OR YOUR EMPLOYER PURCHASED. OUR COMPUTER CAN ESTIMATEE THE BENEFITS DUE TO YOU BASED ON PAST PAYMENT HISTORY. WE DEAL WITH WELL OVER 50 DIFFERENT INSURANCE COMPANIES AND NO TWO ARE THE SAME. IF YOU HAVE QUESTIONS ABOUT YOUR INSURANCE, DO NOT HESITATE TO CALL AND WE WILL HELP YOU.