We welcome and encourage discussion of services and fees prior to treatment. Please remember that insurance is considered a method of reimbursing the patient for fees paid to the doctor, but usually does not pay the entire cost. Insurance coverage is variable between insurance companies, and even between individual policies within the same company. Benefits can also vary between in-network and out of network providers. If you have concerns that our practice is not in your insurance network, we strongly encourage you to call your insurance company and verify. There are deductibles that must be fulfilled prior to payment of benefits, and many plans have annual maximum allowances that, once exceeded, do not provide additional benefits.
Insurance companies use the terms “allowable,” “U & C” (usual and customary), and “UCR” (usual, customary, and reasonable) when determining the portion of fees that they are responsible for paying. These fees are determined and agreed upon by the insurance company and your employer, and are often lower than the actual fees charged. Because the insurance contract is between the insured and the insurance company, it is ultimately your responsibility to pay the portion of the bill not paid by your insurance company.
If you would like to know what your approximate financial responsibility will be for services to be rendered, we will gladly send a “pre-estimate” to your insurance company for them to review. This process does require a consultation and X-ray prior to the procedure and can take four (4) weeks or longer to receive a reply from your insurance company.
If you would rather proceed with treatment without a pre-estimate, we require payment of the portion estimated not to be covered by your insurance plan at the time the service is rendered. Actual eligibility, benefits, and coverage can only be determined by your insurance plan upon receipt and processing of the claim once services are provided. When the insurance payment is received, any amount in excess of your account balance will be refunded to you promptly. Conversely, any balance remaining after insurance pays will be your responsibility. Any balance remaining after insurance pays will be due immediately. Partial payments will not be acceptable.
For any reason, if your insurance company has not paid your claim within 90 days, you will be responsible for the remaining balance. Our office will gladly continue to work with your insurance and provide any information required to process the claim. Any balance not paid within 90 days will be subject to a 11⁄2% monthly interest charge. In addition, should the account be referred to a collection agency, you will be liable for all attorney fees.
My signature authorizes the release of information requested by the insurance company, which is necessary to process my claim. I hereby assign payment of benefits otherwise payable to me to Lehman & Menis Dental Implant and Oral Surgery Specialists. I understand that I am financially responsible for all charges not covered by my insurance company.
If you have any questions, we will be happy to assist you.