Dental Insurance and Billing
Chew Chew Junction understands the difficulty of budgeting for quality medical care. We do everything we can to minimize the stress of financial uncertainties. Every child deserves quality medical attention. Our goal is to help you afford expert care; we want your child to enjoy a lifetime of superior dental health.
We assure that you have all the information you need prior to beginning a course of treatment. Our staff produces a comprehensive, itemized plan of care detailing costs for each procedure.
Payments become due when the care is provided. The adult or guardian who escorts a child to our office is responsible for the day’s bill. We accept numerous methods of payment, including personal checks, cash and credit cards. Our staff is also happy to discuss the opportunity to use CareCredit to satisfy the obligations of those who qualify.
About Dental Insurance
By law your insurance company is required to pay each claim within 30 days of receipt we file all claims at the time of your appointment. It is vey important to have up to date insurance information so that your claim is filed to the correct address.
Please understand that we file dental insurance as a courtesy to you. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim. We also can’t be responsible for any errors your insurance company makes when they are entering your claim information.
Not all insurance policies pay 100% of all procedures. Unfortunately many patients think that their insurance will pay 90-100% of all dental bills. Sadly this is not true. Most plans only pay between 50-80% of the average total fee, and have a ceiling of how much they will pay in a total year. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer as set up with the insurance company.
Benefits are not determined by our office. You may notice that sometimes your dental insurance reimburses you or the dentist at a lower rate than the dentist actual fee is. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customer, or reasonable fee (UCR) used by the insurance company. This gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentist charge for a certain service. This can be misleading and simply is not accurate.
Insurance companies set their own schedule and each company uses a different set of fees they consider allowable. The allowable fees may vary widely because each company collects fee information from claims it’s processes. The insurance company than takes this data and arbitrarily chooses a level they call the “allowable” UCR fee. Frequently this data can be three to five years old and these “allowable” fees are set by the insurance company.
We provide treatment based upon what we consider “standard” of care, not what your insurance company is going to cover. Since there are so many different policies out there we cannot know exactly what your insurance is going to cover. It is up to you to know your individual plan, and inform us if you do not want certain procedures done.