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As a courtesy to you we will be happy to file your dental insurance electronically.
Insurance assignment will be accepted with the following provisions:
1. We must be able to verify insurance at the time of your appointment.
2. We must be able to verify that your deductible has been met.
3. If we make two attempts to file your insurance claim and your insurance fails to reply or pay for the claim, and/or its been more than 90 days since the claim was first filed, you are responsible for all charges incurred. You will be responsible for making the appropriate arrangements with your insurance carrier.
Dental Insurance Plans
There are generally two common types of dental insurance plans. They are traditional dental insurance plans (or “indemnity”) and managed care plans. In recent years, many employers have introduced Direct Reimbursement plans to provide savings to the company and greater benefits to their employees.
Patients may select any dentist they wish to perform their dental care with a traditional (indemnity) plan. Payments for these plans are provided on a “fee-
DMO’s (capitation plans) and PPO’s (ppo dental insurance) are the most common managed care plans. In these plans, benefits are usually limited if the patient chooses an “out of network” provider. The dentist is usually paid a fixed monthly amount for each patient on the plan regardless if the patient ever has any work done, in a DMO plan. A DMO may be a more affordable dental insurance option, but DMO plans because of their low reimbursement they tend to promote less than ideal dental care as the dental office has very low incentive to provide routine hygiene and preventive services. Kathleen Kasper D.D.S, does not participate in any DMO plans at this time.
A dentist participates in a PPO plan by signing a contract with an insurance company enabling him or her to attract patients who are covered by the plan. In order to receive the plans maximum benefits, covered plan members must select a dentist from the network of providers. However, if a patient is willing to pay higher deductibles and co-
Kathleen Kasper D.D.S. Is currently participating in three PPO plans which are Metlife, Delta Dental Premiere and Cigna Dental Radius.
Many employers are beginning to offer Direct Reimbursement plans because they allow an employee to choose any dentist they wish. With these plans, patients receive reimbursement directly from their employers for any dental procedures. The company manages these plans internally, allowing them to save a great deal of money. Direct Reimbursement plans offer employees more options and control over their dental care choices, as well as lower internal costs for companies and less insurance headaches for patients and dental offices alike.
Call Us Today if you have any questions about your insurance plan or how we can help you maximize your benefits. We are always ready to help!