Financing Your Care
In our office, we offer high quality care and payment options that work for all of our patients. Below you will find a list of payment options that we accept. If you don’t see your preferred method on our list, please call our office at San Jose Office Phone Number (408) 226-2542 to find out what other options may be available to you.
- Cash or Check: Always accepted.
- Credit Card: Visa, MasterCard, Discover, or American Express.
- CareCredit: Apply online (www.carecredit.com) or in our office.
- Cherry – 3rd Party Financing with the easy approval process.
- Lending Point: for Invisalign Treatment
- Annual In-Office Concierge Package: Includes 2 cleanings, exams, x-rays and percentage off treatments!
Please note: Payment is due at the time of service.
Toothflix2.0 – Patient Education DVD Series
ADA American Dental Association
Why doesn’t my insurance pay for this?
Dental insurance is an extremely helpful benefit when it comes to managing the costs of dental care. However there are times when it can also be extremely frustrating. That is because no dental benefit plan is set up to cover all of your expenses, so it is important for you to know what your insurance will cover and what you’re responsible for covering. Almost all dental plans result from a contract between your employer and your insurance company.
Dental Benefit Plans:
1. Pay for a portion of dental care
2. Do NOT pay all costs
3. Contract between employer/union and providing the insurance company
Employers generally choose to cover some but not all of the employees’ dental costs. So there may be times when you need services that are not covered, although your dental benefits are decided by your employer the dental services you need, should be decided by you and your dentist. If you have questions, ask your provider for an EOB or an explanation of the benefits. This document will explain what is covered and what you must pay yourself. The EOB may also include some terms that are common in the insurance industry but may be slightly confusing to anyone else. So let’s walk through a few:
Dental Insurance Key Terms
UCR – stands for Usual, Customary and Reasonable charges. These are the maximum amounts per treatment that will be covered by the plan. However, the terms usual, customary and reasonable are misleading for several reasons. Insurance companies choose the rates that they want for UCR charges. They are not required to match the actual fees charged by dentists in your area or change the rates to keep up with inflation. Also, insurers are not required to reveal how they determine UCR rates, meaning there is no consistency across the industry. So while your dental treatment may exceed your plan’s UCR fee. It does not mean that your dentist has overcharged for a procedure. Many policies have planned limits that cap the number of times it will pay for certain treatments and an annual maximum for the largest dollar amount it will pay for a year.
Also, certain pre-existing conditions that you had before you enrolled in the plan may not be covered. Or if there is more than one way to treat a condition the least expensive alternative treatment clause means that the plan will only pay for the one that costs less.
Your preferred providers have actually nothing to do with your personal choice of a dentist. It is a list of dentists who have a contract with your insurer, and finally-
Not Dentally Necessary are guidelines for the treatments that your plan considers to be necessary. However, what you need to remember is that your dentist’s advice is based on his or her professional opinion of your specific case. What will benefit you may not be what is covered by your plan. Always remember that your health is the most implant thing! While it can be frustrating if you expect insurance to cover your whole dental bill, the cost of care can be managed.
Get familiar with your dental coverage and get some advanced planning. That way you and your dentist can take the best possible care of your teeth to make them last a lifetime!
For more details, visit mouthhealthy.org
We are a fee for service practice. As a courtesy to you, we will bill your insurance company and track claims. Please keep us informed of any changes to your insurance plan. You are responsible for the fees charged by our office, no matter what your insurance coverage may be. Most insurance companies should respond to the claim within four to six weeks. Any remaining cost is your responsibility.
We are here to help! Please call for more information about financing your oral health needs in our office!