Our insurance coordinator deals with many different insurance companies. Some companies offer several different dental and medical plans. Benefits, co-pays, and deductibles vary from carrier to carrier. In fact, most carriers offer different plans that include and exclude specific benefits for particular services. We do our best to provide you with accurate coverage estimates based on information available to us. At times, it is almost impossible to accurately estimate a patient�s insurance co-payment. Many insurance companies will not specify fees until after the treatment is completed. Dealing with these companies can be difficult and time consuming. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance is current.
It is our responsibility to treat your periodontal problems appropriately. We do not make recommendations based on whether or not you have dental insurance benefits, or what benefits you may have. We will make every reasonable attempt to assure that you receive the benefits of your insurance plan. However, please be aware that any insurance coverage you have is a contract between the insurance company and you. You are responsible for the payment of services provided to you. Insurance benefits paid by you provider serve to decrease your financial obligation.
Although we will gladly file a claim on your behalf, you may wish to submit the claim yourself. In general, carriers process claims filed directly by patients faster than those filed by the service providers (dental offices).
Further, most dental insurance policies are limited and often only pay for a portion of the procedure(s) that may need to be done.
For patients with dental insurance, co-payments and deductibles are due at the time services are rendered. There will be no exceptions to this office policy.
If a patient comes to us with a problem that they expect to be covered by medical insurance (biopsies, tumors, TMJ, infections), they must have a referral from their primary care physician as required by HMO carriers. A referral from a dentist is not adequate for medical insurance coverage. Obtaining a medical referral is the patient's responsibility. We cannot obtain the referral for you and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.
Private & Group Insurance
As a courtesy to our patients with medical and/or dental benefit plans, we will submit necessary claim forms, receipts, and other information to your insurance company.
Upon receipt of an insurance payment, any balance due will be billed to you. However, co-payments are due at the time services are rendered. If you have deposited an excessive co-payment, it will be refunded to you.
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Louis F. Rubino, Jr., DMD practices Periodontics and Implant Dentistry in Phoenixville PA
650 Valley Forge • Phoenixville, PA 19460 • Telephone: 610-933-1236 • Fax: 610-933-4675
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