Non-insured Patient:

In our effort to make Oral & Maxillofacial Care available to all patients regardless of financial status, we offer the following alternatives to insurance and HMO coverage.  We accept VISA, MASTERCARD, AMERICAN EXPRESS & DISCOVER CARD.

In addition, we offer a 10% professional discount to senior citizens who are seventy years or older.

While payment is due on the date of service, certain hardship cases will be considered on a case by case basis.  We accept assignment for Medicare.

We will extend a discount to any patient account paid by Cash in Full on the date of service.

We reserve the right to bill a charge of fifty dollars ($50.00) for missed appointments at any time.  We also reserve the right to charge fair interest on balances due beyond thirty days, unless specific arrangements are made with our accounts secretary at the time of service.

Insured Patient:

Patient Health Benefit Plans  both (medical and dental) are made available to employees or members, through companies, unions and associations, and may vary considerably from one plan to the next.  Insurance companies must place limitations on benefits so that they can "Package a Program" for a given price.

The range of benefits depends solely on what the purchaser (employer) wishes to offer employees or members.  Some plans cover as little as 30% or as much as IOO% of covered services, with most falling in the 50% to 80% range. 

Some plans exclude certain types of services, i.e., splints, TMJ, general anesthesia, orthodontic procedures, and implants, while other plans will cover a more complete range of health ca services.  Some insurance plans base the amount of benefits on a chart or schedule of fees arbitrarily developed by insurance companies.  For this reason, you may receive a lower percentage of the reimbursement  

level indicated on your plan.  For example, if your plan states that it will pay 80% of the cost of treatment, it means 80% of the fee arbitrarily determined by the insurance company, not the actual fee charged by your doctor.  Many policies have failed to increase benefits with increasing inflation.  They may also fail to benefit new kinds of therapies.  

We will be unable to correspond with your insurance company by phone for your insurance coverage or benefits. If specific information is needed, we will submit in writing to your insurance company for benefits. This process takes approximately 6-8 weeks. Maximum allowances, deductibles and eligibility can vary from patient to patient.   If our office has obtained an authorization this is not always a guarantee of payment.

If you are insured by one of the following companies, it is your responsibility to make sure proper authorization and referrals are obtained prior to treatment: Kaiser, Sante, Take Care, Health Net, Pacific Care, Cigna PPO, Prudential DMO, Pacific Union Dental, Aetna PPO and Great-West Exclusive.

Although we are happy to assist you with your insurance billing needs, due to the number of different plans and policies available we are unable to have knowledge of each and every plan.  If you have any questions regarding your specific benefits, please call your insurance company....