Financial Services

DC Dental Insurance Plan Options

PAYMENT
Payment is expected at time of services. Our office accepts cash, check, Master Card and Visa card.

Third party financing for cosmetic procedures is available for qualified applicants in amounts up to $25,000.

YOUR INSURANCE PLAN AND BENEFITS

We accept traditional indemnity and PPO plans from:
Accordian, Aetna, Carefirst, Cigna, Fortis, Great West, Guardian, Metlife, Mutual of Omaha, Prudential, Unicare, United Health Care. (If your plan is not listed, contact us to inquire if we accept your form of insurance.) All PPO plans are accepted at our office; however, we are a non-participating provider. We do not accept any HMO, DMO, Kaiser or other managed plans.

Any amount not covered by your insurance company is your responsibility. We will fill out the forms for your insurance company for reimbursement for you.

Do you know your insurance coverage? It is the patient’s responsibly to know his or her insurance plan.

What are your dental benefits?
Understanding your dental benefits is not easy. There are man plans as there are contracts. Your employer selected your plan and is responsible for your contact design. If your plan covers a major portion of your dental bill or a small amount, dental benefits are good because they help pay for needed treatment. It is important to know that each contract specifies the types of procedures that are considered for benefits.
It is a mistake to let your benefits be your sole consideration when you determine what you do about your dental condition.

What is excluded?
Many dentally necessary procedures may be excluded from your contract. This does not mean that you do not need the procedure – it simply means that your plan will not consider the procedure for payment.

Are cosmetic procedures covered?
Cosmetic procedures and implants are usually excluded from a dental plan.

What does “usual and customary” fees mean?
What insurance companies call usual and customary is what your employer and the insurance company have negotiated as the amount that will be paid toward your treatment. It is usually much less that what any dentist in the area charges for dental procedures. It does not mean that the dentist is charging too much.

What does the maximum limit of coverage each year mean?
Despite the fact that costs have steadily increased, annual maximum levels for dental care have not changed for about thirty or so years. Your maximum may be $1500 up to $5000 per year from your insurance company. YOU must check with your policy and carrier.