Many of our patients have dental insurance benefits provided by their or their spouse's employer. As a courtesy, we work to assist them in utilizing these benefits. We are happy to do so unless the dental benefits contract interferes with the best interest of our patients' dental health, their desires or priorities, or our ability to provide the time, skills, and materials necessary to achieve an optimal result. For this reason, Dr. Jensen does not participate in any capitation, PPO or reduced-fee programs, other than Delta Dental as a Premier Provider. Quite simply, reduced fee programs force dental offices to see a higher volume of patients. This would not allow Dr. Jensen or our highly qualified and caring staff to dedicate the time necessary for an exceptional, comfortable experience. Many of our services require techniques that are labor and time intensive. A less than optimal result would be expected without exceptional materials and sufficient time to do it right the first time. Many of our patients are in PPO programs and are able to see Dr. Jensen as an out of network provider. They trust the recommendations of their dentist and/or friends and value the high quality care and environment we strive to provide.
Please keep in mind that you are fully responsible for all fees charged by this office regardless of your insurance coverage. Your insurance company is responsible to you. There is no direct relationship between our office and your insurance company. Dental insurance policies vary and the type of plan chosen by you and/or your employer determines your insurance benefits. While it is your responsibility to understand your insurance policy, we will do what we can to help you understand and maximize your insurance benefits. As a courtesy, we will submit claims to your insurance company for procedures performed at our office. We will also submit requests for predetermination of benefits prior to help you better understand the benefits that your insurance company offers. In the event that your insurance company should request additional information or x-rays to process your dental claim, it will be our pleasure to provide them the information needed as well as a copy for you for any necessary follow-up.
Our treatment recommendations are based on a thorough review of your medical and dental history, our examination of your mouth, and discussions with you regarding your desires and priorities. Based on our professional training, expertise, and experience, a personalized treatment plan deemed to be in your best interest is developed. The treatment plan is developed regardless of whether insurance is involved or not, and also regardless of whether the insurance company is willing to pay on that particular procedure or not. Insurance companies pay on dental services based on premiums, contracts, and exclusions. These are important business decisions for them, but have nothing at all to do with quality dental care that you deserve. Lack of insurance coverage for a given service is in no way an indicator of the value or appropriateness of the treatment!
We will accept payment directly from your primary insurance company for other commonly covered treatment(s) rendered. Prior to treatment, our office will attempt to contact your insurance company to estimate/determine available benefits. This will inform our office what your insurance company is estimating to cover. Because many insurance companies will not give out fees until after the treatment is completed, however, this is only an estimate of benefits, and not a guarantee of payment. You will be responsible for payment of the estimated balance not covered by your primary insurance (your co-pay) at the time treatment is rendered. If financial arrangements for the your portion of the fee are necessary, they must be arranged prior to treatment. After 60 days, any unpaid balance not covered by your insurance company (including delays in insurance company payment/processing) will be billed to you and payment expected at that time. Please speak with our practice administrators if you have any further questions or concerns.