Insurance Benefits: As a courtesy, we are happy to submit your insurance claim to your insurance company. It is imperative you provide us with complete and accurate information. In the event your insurance information changes, you must provide our office with updated information immediately.

Your dental insurance is an agreement between yourself and the insurance company; not between Dover Family and Cosmetic Dentistry and the insurance company. It is important you fully understand your insurance benefits (i.e. what is covered and not covered, benefits limits, exclusions, etc.). Some or all of the services provided by our office may not be covered by your insurance. Therefore, you are ultimately responsible for all charges on the account.

You are responsible for paying your annual deductible as well as providing the estimated balance after the primary insurance payment has been calculated (copayment). We will provide to you the estimated copayment. After we submit the claim and receive the payment from your insurance company, you will be billed for any difference between the anticipated insurance payment and the actual insurance payment. If we receive a payment from your insurance company that is actually higher than the estimation, we will either refund the difference to you or provide a credit onto your account for future services.

Keep in mind, the copayment that is estimated during each visit is only an estimate; your insurance company makes the final decision regarding the actual copayment amount. If your insurance company pays less than the amount that we estimate, you are responsible for that balance. You must contact your insurance company directly if you have any disputes regarding the payment that was provided to our office.

In the event the insurance company denies a claim, we will review the reason for denial and then resubmit the claim, if appropriate. If the claim is denied the second time, you are responsible for providing the payment in full to our office. You may contact your insurance company directly for reimbursement.

Payment is Your Responsibility: We will issue a statement to you within 30 days of receipt of payment from your insurance company (no more than 60 days from your initial visit). You will have 30 days to pay your balance (unless prior arrangements have been made). In the event your balance is not paid within that time frame, your account will be referred to a collections agency. If your account is referred to a collections agency, you will be responsible for all fees associated with this process.

Cancellation and Failed Appointments Policy: If you are unable to attend your scheduled appointment for any reason, you must provide 24 hours advanced notification. This will give our office an opportunity to provide your appointment to another individual. If you fail to show up for two (2) or more appointments, we may dismiss you from our dental practice.

Minor Patients: All patients under the age of 18 must be accompanied by an adult. The adult accompanying the minor is responsible for full payment for the services provided.

OVERVIEW OF FINANCIAL POLICY

1. I understand that I am responsible for any copayments and deductibles. I will be provided with an estimate of the copayment amount on the date of service. In the event my insurance company pays less, I will be responsible for the balance.
2. I authorize the insurance company to pay the dentist directly for services rendered.
3. I understand a statement will be issued to me if there is a balance on my account. The balance due must be rendered within 30 days. In the event a balance remains beyond 30 days, the collection process will begin and I am responsible for all charges associated with this process.
4. I understand it is my responsibility to advise the office of any changes to my insurance and contact information as soon as this change occurs.
5. I understand 24 hours notice must be provided to change or cancel an appointment.
6. I understand two (2) or more failed appointments may result in dismissal from this office.