DENTAL INSURANCE AND MY PATIENTS
In order to avoid any confusion or misunderstanding, I would like to explain both the principles of my practice and the type of care I provide to my patients.
We no longer accept insurance, but don’t let that scare you, chances are, if you have an out-of-network plan, your insurance company will reimburse a significant percentage of your care. We will do everything necessary to determine all costs upfront by submitting medical information to your insurance carrier and obtaining pre-approval.
The main reason I don’t accept insurance is because, as a medical professional, my obligation & fiduciary responsibility is to provide optimal dental and medical care. In order to uphold these standards, I invest in the most state-of-the-art equipment, attend advanced training and educational seminars to obtain the highest skill level and hire the most seasoned and reliable staff. Working within the confines of the insurance industries’ limited benefits and bureaucracy would not cover my overhead and more importantly would profoundly compromise the level of patient care. Quite simply, it would be financially impossible for my doors to stay open as most insurance companies base their usual and customary fees on nationwide Medicare rates and our level of care is at the other end of the quality spectrum.
In order to help you maximize your insurance benefits we will:
- Prioritize your treatment and determine what problems should be solved first. This way you, not the third party payer, are involved in the decision-making process.
- Submit “pre-authorization” requests.
- File your insurance claims.
- Process all follow-up insurance queries.
- Write letters of medical necessity.
- Resubmit lost claims.
- Submit info to your employer, union, etc, to help you implement a more adequate company dental plan.
- Offer Payment Option Plans.
Please remember that the financial obligation for dental treatment is between you and this office. The third-party payer or insurance carrier is responsible to you, not our office.
No question is too small for you to ask, whether it is about your treatment plan, benefits or statement. Stop in or call anytime you have a question. I am here to help you not only achieve and maintain your oral health but to comfortably deal with any financial concerns as well.
Scott O. Kissel, D.M.D.