Dental Insurance and Financial Policy

Dental Insurance information

Our offices are contracted dental providers with Aetna PPO, AlwaysCare PPO, Ameritas PPO, Assurant PPO, Blue Cross / Blue Shield, Colonial Life PPO, Delta Dental PPO, DenteMax PPO, Guardian PPO, Humana PPO, MetLife PPO, Principal PPO, Sunlife PPO, United Concordia PPO, United Healthcare PPO & dental plans, and Unum PPO.

As a courtesy to our insured patients, we submit claims to your insurance company free of charge. Most dental insurance plans do not cover 100% of the cost of your treatment. If your insurance claim has not been paid within 60 days of treatment, you are responsible for payment in full to our office. If your insurance company pays your claim after you have already sent us your payment, we will readily reimburse you.

Please keep in mind that the dental insurance contract is an agreement between the patient and the insurance company; therefore, the patient is responsible for the bill, regardless of the insurance coverage. After 60 days, the patient is responsible for pursuing payment from the insurance company. All current documentation will be provided by mail in order to assist with your inquiries. The insured has a better ability to deal with the insurance company as well as the employer responsible for their policy because the insurance companies will usually accommodate their policyholders with more earnest attention than they will a dental office.

Financial Policy

In order for our staff to attend to your dental health needs on a more personal level, we have written this information guide. We hope it will make understanding our office policy regarding your financial obligation easier. We will try and bill you at the appropriate time and file your insurance claims for you. My staff and I will strive to have open communication on all financial matters. If you have any questions or problems, please bring them to our attention. We are here to help.

Patient care is our primary goal.

1. For patients with insurance, as a courtesy, we will file your insurance claim for you. If we do not have all your insurance information before the day of treatment, you will expect to pay for the services in full. You will be expected to pay your annual deductible at each visit for treatment, any estimated co-payment, and any portion not covered by your insurance. Please understand that what we collect are only estimates and you are ultimately responsible for any and all of the cost of your dental care.
2. If, after 90 days your insurance company has not paid on your claim, you will be billed for the entire balance. At this point, you will have to contact your insurance company for reimbursement. We will assist in any way possible but your full payment is due and you will have to go to the insurance company to get payment.
3. For all unpaid accounts after the 90 day period a late fee will be billed each month of $39.00 and a finance charge of 2% on all unpaid balances will be accessed per month until the balance is paid in full.
4. Our office reserves appointment times especially for you when you schedule them. If you are unable to make a scheduled appointment with our office, please notify us within 24 hours prior to your appointment, so that we may schedule another patient at that time. If there is less than 24 hour cancellation notification, there will be a $50.00 missed appointment charge.
5. We suggest that you know the limitations of your insurance. If you are limited, by your insurance plan, to a certain number of visits per year or have contractual waiting periods; please keep track of this information. You will be held responsible for payment.
6. We accept MasterCard, VISA, cash, check, and money orders. Any check returned from the bank will be subject to a $45.00 charge and cash will be required for future visits.
7. In cases of divorce. The person that brings a minor to the office for dental care is responsible for all charges. Ocotillo Dental Care cannot be responsible to get payment from the other parent.
8. All first time visits and emergencies; Full payment is due at the time of service.
9. Please ask our office staff if you have any questions.