How are Appointments Scheduled?
Our office attempts to schedule appointments at your convenience. Since appointment times are reserved for each patient, we ask that you please notify our office at least 24 hours in advance of your scheduled appointment time if you must cancel. Another patient could be scheduled if we have time to notify them. We realize that unexpected things happen, but we ask for your assistance in this regard.
What about Finances?
Our dental practice aims to provide the highest quality care at affordable prices. Every effort will be made to provide a treatment plan that gives you the best possible care, and fits into your timetable and budget. We accept cash, personal checks, debit cards and most major credit cards.
Our Office Policy Regarding Dental Insurance
Our office accepts most major insurance plans and will file for you as a courtesy. You will be responsible for the estimated amount insurance is not expected to pay. We cannot guarantee the amount that your insurance company will pay, but we will file for you. We will be glad to send a refund to you if your insurance pays us. Again, we file insurance for our patients as a courtesy, and do not control the amount your insurer covers.
PLEASE UNDERSTAND that we are not responsible for how your insurance company handles its claims, or for the benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We do not guarantee what your insurance will do with each claim. We are not responsible for any errors in filing your insurance.
For those patients with dental coverage, we happily participate with the following insurance companies:
- Anthem Blue Cross
- Blue Shield
- Dental Benefit Providers
- Met Life
- Oscar Insurance
- United Concordia
- United Healthcare*
We accept almost all insurance plans, but if you do not see your plan listed, please call for assistance.
*Certain plans and HMOs may require referral to the pediatric specialist from a general dentist
Melody Dentistry for Kids works hand-in-hand with CareCredit Patient Payment Plans. CareCredit offers special financing options at a reasonable rate through use of a CareCredit credit card. This credit card allows you to make easy monthly payments for dental treatments, rather than delaying treatment for financial reasons. Please contact our office for more details. You can also learn more about CareCredit at CareCredit.com.
Usual and Customary (UCR)
Sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.
Insurance companies set their own schedules, and each company uses a different set of fees they consider reasonable. These reasonable fees may vary, because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently, this data can be three to five years old and these fees are set by the insurance company so they can net a 20-30% profit.
Unfortunately, insurance companies imply that your dentist is overcharging, rather than say that they are underpaying, or that their benefits are low. In general, the less expensive insurance policy will use a lower reasonable (UCR) figure.
Deductibles and Co-Payments Must Be Considered
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume a service fee is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First, a deductible averages $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00, or your plan pays only at 50%, then the insurance benefits will also be significantly less.
MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.