Financial

couple_older_2.jpgDental care is an excellent investment in not only your smile, but overall health. Dental disease is progressive and tends to get worse with time, so it is important that necessary treatment be started soon. We believe financial considerations shouldn’t keep you from obtaining the dental care you need. That’s why we offer several financial options to help make your treatment affordable.

Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is administered. Our office accepts payments by cash, checks, and Visa, MasterCard, and Discover credit cards. We ask that you be responsible for the payment of examinations/consultations and radiographs.

Insurance

Although, you should be familiar with your insurance company’s policies, we will make every effort to help you understand and maximize your insurance benefits. Please remember our relationship is with you, not your insurance company. The type of plan chosen by you and/or your employer determines your insurance benefits; dental insurance policies vary.

We ask that you pay for emergency visits, examinations, consultations, biopsies, radiographs, and maintenance (cleaning) visits. We will submit your insurance claims for these services so that your company can reimburse you.

We will accept payment directly from your primary insurance company for all other periodontal procedures that are normally covered. Before service(s) are rendered, we will contact your insurance company to determine your benefits. We can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. We recommend that you contact your insurance company to verify your benefits as well. At the time of treatment, you will be responsible for any fees (your co-pay) not covered by your primary insurance provider. If financial arrangements are needed, please speak to our financial coordinator prior to treatment. After 45 days, you are responsible for any unpaid balance not covered by your insurance company. You will be billed and payment is due within 15 days.

Overdue accounts (balances due over 60 days) will accrue finance charges – 1.5% monthly (18% annually). Overdue/unpaid accounts will be subjected to collections actions. The patient or guardian will be responsible for collections agency, attorney, court and all associated fees incurred by Paul C. Kazmer, Jr., D.M.D., M.S., and P.A. if collection actions are necessary.