Convenient Payment Options
Dental treatment is an excellent investment in an individual's medical and psychological well being. Financial considerations should not be an obstacle to obtaining this important health service. It is most important to us that every patient is completely informed not only of the treatment to be rendered in our office, but also of the financial investment for that treatment. The fee necessary to complete a particular treatment plan is based on an estimate derived from your examination. Being sensitive to the fact that different people have different needs in fulfilling their financial obligations, we are providing the following payment options.
With our convenient payment plan administered by CareCredit, you can have the smile of your dreams today. CareCredit, the nation's leading patient payment program enables you to finance 100% of your dental care with no upfront costs, no annual fees, and no pre-payment penalties. So, begin your treatment TODAY!
Care Credit can be used by the entire family for ongoing treatment without having to reapply. Care Credit offers a comprehensive range of plan options, for treatment or procedure fees from $1 to over $25,000, and it only takes a few minutes to apply for CareCredit. To learn more about CareCredit, call 1-800-839-9078, or visit their web site at www.CareCredit.com
Payment in Full - Ask about our 5% courtesy discount for payment in full (cash, check or debit) at the start of treatment for any dental procedure.
We Accept Visa, Master Card, American Express, and Discover.
Patients Who Have Dental Insurance - We welcome dental insurance. We will be happy to answer all of your questions and call your insurance provider to verify benefits.
As a courtesy to you, we are happy to bill your insurance company for you.
InsuranceWe work with numerous insurance plans and are happy to assist you by verifying your coverage. Bryn Mawr Dental Associates does not participate in Health Management Organizations; however, we will be happy to file your insurance claims for you. We accept checks, cash or credit cards. We also offer a flexible payment plan. Please see our Financial Coordinator for details. We are happy to file insurance for your reimbursement as long as you have a plan that allows you to choose your own dentist.
Many of our patients are covered by a dental insurance plan. This serves as a valuable way to help pay for the cost of dental care. It is important to understand that services are rendered to the patient, not the insurance company. Thus, the insurance company is responsible to the patient, and the patient is ultimately responsible to the doctor for payment.
Facts About Dental Insurance You Should Know
1. Most insurance companies utilize an "alternative treatment option" provision. This allows them to pay for a cheaper procedure in full legal satisfaction of their benefit obligation to you rather than reimburse you for the finest quality treatment recommendation.
2. You may receive a letter from your insurance company stating that dental fees charged are higher than reasonable and customary. To establish their usual and customary fee schedule, the insurance company surveys a geographic area, and uses an average fee that includes discount clinic fees and HMO's within the area. For some reason insurance companies will not reveal how they arrive at these fees nor do they make these fee schedules public and available to anyone.
3. Some insurance companies tell their insurers that "fees are above the usual and customary" rather than saying "our benefits are low" or "below average." The amount your plan pays is actually determined by how much your employer paid for the contract with the insurance company. The less your employer paid in premiums the lower the amount of benefits you will receive. Remember, you get back only what your employer and you paid in, less the insurance company profits.
4. Dental insurance is never meant to be a pay-all; but rather to be an aid.
5. Many insurance companies state that patients are covered for 80% to 100% of their dental expenses. They do not explain that percentage payment is based on a fee schedule that often is not published or given to anyone outside the insurance company. They also do not take into account deductibles, exclusions, alternate treatment options or other limitations.
6. Many accepted and routine services are NOT covered by insurance carriers even if these procedures would save the insurance company money over the years. (i.e. adult sealant and/or fluoride treatments, more frequent care (hygiene) visits, higher quality and longer lasting restorations.)
7. Insurance contracts are actually made between the patient and the insurance company - not the dentist and the insurance company. It is therefore often beneficial for the patient to contact the employer or carrier if a question or dispute arises. Our staff wants to help you receive the maximum benefit you are entitled to receive under your contract. We want you to feel comfortable in dealing with these matters and know that we are there to help you receive these benefits.