INSURANCE POLICY!
We accept most PPO and Union Plans. In our office, we strive to maximize your insurance benefits and
make any remaining balance easily affordable. If you are planning on using your dental insurance please
read the following dental insurance facts.
FACT 1 – DENTAL INSURANCE IS A CONTRACT BETWEEN YOU, YOUR EMPLOYER AND THE
INSURANCE COMPANY. Please note that we accept most major PPO plans BUT WE DO NOT DIRECTLY
CONTRACT WITH THEM. This means that AS A COURTESY we will process your insurance benefits and accept
assignment of benefits if your plan allows it. We will also file the claim on your behalf and wait for insurance portion
of your visit to be paid directly to our office by the insurance company.
FACT 2 – DENTAL INSURANCE IS NOT MEANT TO COVER ALL FEES. Most insurance companies will help
cover preventive services up to 100%. Most basic, restorative and surgical services are covered between 50-90%
depending on your plan.
FACT 3 – NO INSURANCE PAYS 100% OF ALL PROCEDURES. Many patients think that their insurance pays
90%-100% of all dental fees. Most plans only pay between 50%-80% of the average total fee. Some pay more, some
pay less. The percentage paid is usually determined by how much you or your employer have paid for coverage or the
type of contract your employer has set up with the insurance company.
FACT 4 – FREQUENCIES & LIMITATIONS OF BENEFITS. The frequency of payment for some procedures may
be limited by an insurance company. This is most often encountered with x-rays and fluoride treatments. Our office
follows recommendations set by the ADA and the FDA in order to achieve optimal oral health for you. Therefore, if
an insurance plan limits the frequency of such codes, the patient will be responsible for the fees involved.
FACT 5 – BENEFITS ARE NOT DETERMINED BY OUR OFFICE. Not all insurance companies are the same and
not all plans administered by a particular insurance company are the same. It is important to understand the type and
frequency of benefits that your particular insurance plan provides.
FACT 6 – DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED. When estimating dental benefits,
deductibles and percentages must be considered. To illustrate, assume the fee for service 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 (paid by you), on average $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. YOU
WILL BE RESPONSIBLE FOR YOUR ESTIMATED COPAYS AT THE TIME OF SERVICE, ANY BALANCES
REMAINING AFTER INSURANCE HAS BEEN PROCESSED ARE THE PATIENT'S RESPONSIBILITY.
I have read and understand the facts presented above. I also have read and understand my
insurance policy and the coverage benefits that it provides at LIC Dental Associates. I also
understand that any balances remaining that are less than $50.00 after insurance has been
processed and received will be billed automatically to my credit card on file. Any balances of
more than $50.00 will be invoiced to me and will be due upon receipt.
Patient Name: _________________ Signature: ____________________ Date: ______________