A common question at any healthcare office is, “Do you accept my insurance?” We accept all insurance and are happy to submit claims on behalf of our patients, but we are only "in-network" with Delta Premier. This means that we are considered “out of network” for all other insurance companies. There are a number of reasons we chose not to enter into these relationships with other insurance companies.

We know that different insurance companies cover services at different levels. Sometimes an office will charge patients different amounts for the same services based on how much their insurance covers. Insurance companies with inferior coverage sometimes do not provide these offices with fair compensation, forcing these offices to charge patients with better insurance and patients with no insurance higher fees. These patients, in essence, subsidize patients with inferior coverage. We think it is inherently unfair to charge patients different amounts for the exact same service based simply on the insurance plan an employer chose. Our office feels that all patients should pay the same amount and a fair amount for identical services.

Additionally, you can be assured that our recommendation and treatment of your child will never be influenced by insurance benefits or limitations. You may find that we withhold performing certain procedures that may not be necessary or indicated even though they may be covered by insurance. For example, not every child needs x-rays every six months or even every twelve months. A one or two year old child may not get a therapeutic benefit from having a cleaning done. Not every child may need sealants. Although all these procedures may be covered 100% by insurance our office will not perform them if they are not necessary or beneficial to your child. Our office will also take the time to care for your child and answer your questions so you never feel rushed or unimportant.

If you would like to bill your insurance, a claim form can be printed on the day of your child’s visit. In such cases we will require payment in full on the day of service. As a courtesy, our office can also bill your insurance but we are not responsible for any errors or omissions made in the claim process. You will be responsible for the estimated co-pay on the day of service. Our estimation of your insurance coverage is not a guarantee, but merely an estimate based on the best information we have. There may be a deductible, a yearly maximum, fee schedules, benefits paid to other offices, or other factors to be considered. You should refer any questions or verification of precise benefits to your insurance company or employer.

Your insurance plan is a contract between your employer and the insurance company and we are not a party to that contract. Balances that remain on the account after 45 days will be charged to your credit card on file and you will be responsible for pursuing any outstanding insurance claims directly with the insurance company. We will provide you any necessary claim forms and/or documentation required. We urge you to contact your insurance company to ensure there are no delays.

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