Financial

 

No Surprises

 

Our Goal is to Maximize Your Insurance Benefits

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When it comes to costs of any sort, none of us like surprises. Our policy is to tell you, in advance of any treatment, what your investment will be and make definite financial arrangements before we begin. After your initial examination, diagnosis and consultation, we will review with you our recommended treatment plan and its estimated cost. We also will offer alternatives and their costs.

Occasionally, we may modify the treatment plan and its estimated cost somewhat as therapy progresses. This happens only if additional treatment or changes become necessary.

We offer many ways for you to plan for your treatment. All major credit cards are accepted, as well as personal checks. As much as we can, we will personalize your treatment plan to fit your budget and we’ll work with your insurance to maximize your dental benefits. We are a preferred provider for most dental insurance which translates in important savings for our patients.

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  • Prepay Courtesy (for fees over $500):
    For treatments that exceed $500, there is a 5%
    discount of the total treatment fee if paid at the time/or before the first
    appointment is made.
  • Care Credit®: website: http://www.carecredit.com/
    CARE CREDIT® offers a full range of No Interest and Extended Payment Plans for treatment fees from $1 to over $25,000. For our office – a 6 months-no interest plan is available.The electronic qualification process available takes only minutes.
  • City Health Card:
    With fast approval over the phone from Citi Health
    Card, your payments can be much lower than those available through our office.
    The Citi Health Card lets you finance healthcare related expenses such as
    prescriptions, medical equipment, even gym membership fees or spa treatments, or
    anything you do to take care of yourself and your family. In our office – a 12 months – no interest plan is available.
  • Lending Club Patient Solutions:               Our practice is pleased to present flexible payment plans through Lending Club Patient Solutions. Enjoy a selection of flexible plans with no interest or low fixed rates and monthly payments, no upfront payment, and no prepayment penalty. It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly payments available for Extended Plans, all without impacting your credit score.For more information, simply ask a team member or visit lendingclub.com/patients
  • Three Payments (In-House Financing)
    In house financing is only available for patients of record (at least one year). Total patient obligation may be divided as follows: 50% due at the first treatment visit, with the remaining balance split into two equal payments, due 30 and 60 days after the first treatment visit. A valid credit card and your authorization for the two recurring payments must be on your file for this financing opportunity to occur.
  • Pay as You Go:
    For treatments that extend over a long period of  time (usually more than 6 months), you can pay as you go, with the last  payment due before the final appointment.
  • Forms of Payment and Balances Due:
    In order to facilitate access to the very best health care possible, you may choose from any of the following (including any combination thereof): Cash, Visa, MasterCard, American Express, Discover, Money Order, Personal Checks, Care Credit®, Citi Health Card . Balances over 60 days will incur a finance charge of 15.99% APR..
  • Insurance
    It is our pleasure to assist you in maximizing your insurance benefit by completing your claim forms. If your carrier is up to date (in over 80% of the cases), the claims will be transmitted via computer modem before the end of the treatment day! As a courtesy, in addition to filing the claim, if you prefer we will initially ask you only for your estimated co-payment. Please understand that this is only an estimate, and it is based upon the information available to us by phone, at the time of contact with your insurance.
    The range of benefits depends solely on what your employer wishes to purchase. Some plans cover as little as 30% or as much as 100% of dental services, with most falling in the  50% to 80% range. The financial obligation for dental treatment is between you and our office. The insurance company is responsible to you, and not to our office. We will assist you in any way that we can (including our brand new high tech electronic claims submission). Once your carrier has paid the claim, any difference will be due upon receipt of our statement. If for any reason, we have not received your insurance carrier’s payment 90 days after the claim, the remaining balance will be due and payable by you and subject to 15.99% APR.