Payment and Insurance in Mt. Airy, MD
Insurance
We participate with the following PPO insurance companies:
- Aetna PPO
- BlueCross BlueShield PPO (in-state only unless it is a Grid policy)
- CIGNA Total DPPO (we do not participate with DPPO-Advantage unless a savings plan is attached)
- Coventry Healthcare PPO
- Delta Dental PPO
- Denex Dental PPO
- Dental Health Centers (Local 639 & 730)
- Guardian (Dentalguard Preferred Select)
- Lincoln PPO
- Sun Life (includes DHA, Assurant & Mutual of Omaha Patients)
- United Concordia (Elite Plus)
- United Healthcare PPO
- Wellpoint Dental Blue
We DO NOT participate with HMOs or DHMOs. On a case-by-case basis we can give you the documentation needed for you to submit medical claims for certain dental procedures, such as tongue and lip tie release.
Our office accepts other open-plan dental insurances on an out-of-network basis. If you choose to schedule with an out-of-network provider, you are responsible for all fees not covered by your insurance.
Additional Insurance Information
We will be happy to file your claim if we have received all of your insurance information on the day of the appointment. Because the insurance contract is between you, your employer, and the insurance company, we can only estimate your coverage in good faith. Still, we cannot guarantee coverage due to the complexities of insurance contracts. We file all insurance promptly, so your insurance company will receive each claim within days of the treatment. Your insurance processes the claim and sends you a notice of the result (estimation of benefits, or “EOB”).
Insurance will typically process claims within 30 days. You will be responsible for any deductibles, co-payments, or balances not covered by insurance. You are responsible for any balance on your account after 45 days, whether insurance has been paid or not. We will be glad to send a refund to you if your insurance pays us. Although rare, some insurance carriers will not reimburse our office directly. In such instances, you will be responsible for the total cost of each visit, and your insurance company will send you the reimbursement check directly.
Insurance is a contract between you, your employer, and the insurance company. We are not a party to that contract. Therefore, we cannot be responsible for keeping up with the ever-changing policies of each insurance plan. Depending on your particular plan, we may not cover all services.
Please understand that we file dental claims as a courtesy to our patients. We file claims promptly to expedite communication with your insurance company. Please keep us informed of any insurance changes such as policy name, group and id number, or a change of employment.
Our office bases treatment on your child’s needs, not what your insurance will pay. All account balances are the responsibility of the parent/guardian.
Separated or Divorced Parents
For separated or divorced parents, the parent who brings the child to the office is legally responsible for payment of fees charged for that child’s care. In addition, if another agrees to payment responsibility, that person must provide a notarized acknowledgment in writing of their desire to pay for care. It is the responsibility of the person bringing the child to the office to obtain a written agreement and to inform the other person of their care.
If you have any questions, please feel free to ask our business office staff. Please do not hesitate to ask questions about our financial policy. We want you to be comfortable in dealing with these matters. If you have any questions regarding your insurance, we ask that you contact your company regarding the specifics and details of your plan.