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Financial Information

 Financial Policy

Payment is due at the time of service unless a written financial agreement has been made in advance.

We accept Visa, MasterCard, Discover, American Express, cash and personal checks.

For those who need extended credit terms we particiapte with "CareCredit", a financing company specifically for heatlh care needs.  If you qualify, you may choose a 90 day same as cash option, or extended terms for up to 48 months with no prepayment penalty.

For those of you with dental benefits we would like to share some information regarding these plans:

Your dental insurance is based upon a contract between your employer and the insurance company.  Should questions arise regarding your dental benefits you should contact your employer or the insurance company directly.

Dental insurance benefits differ greatly from traditional medical health insurance benefits and can vary quite a bit from plan to plan.  When dental insurance plans first appeared in the early 1970's most plans had a yearly maximum of $1,000.  Today, more than 25 years later, most plans still have an annual maximum of $1,000.  Allowing for a consevative 6% yearly rate of inflation, your yearly plan maximums would be in excess of $4,500 in 2006.  Premiums have increased, but beneftis have not. 

Many plans tell their participants that they will be covered "up to 80%" or "up to 100%", but do not clearly specify plan fee schedule allowance, annual maximum, or limitations.  It is most realistic to expect dental insurance to cover 35-50% of dental services up to the limit of the plan.  Remember, the amount a plan pays is determined by how much the employer has paid for the plan.  You get back only what your employer puts in, less the profits of the insurance company.

Insurance companies do not cover many routine dental endodontic services.  This does not mean they aren't necessary or appropriate, just not a covered benefit under the specific plan.

We want you to know we will do everything in our power to insure that you get every benefit dollar to which you are entiltled.  However, the treatment we recommend and the fees we charge will always be based on your individual need, not your dental benefits coverage.  The ultimate decision as to what will be done will always be made by you.  Based on your decision, we will discuss the total cost of treatment and what assistance you can expect from you dental benefits plan.  All arrangements are strictly between you and our office.  Even though we will assist you in filing your insurance claim, the full responsibilty for payment of services rendered will always lie with you.

If you have dental benefits, by prior arrangement you may pay your portion of the estimated fee on the day we begin treatment, and we will accept assignment of benefits.  We cannot guarantee payment from your insurance company, although we will do our best to establish eligibility and benefits prior to treatment.  If the benefit received from your insurance company results in an overpayment, a refund check will be sent to you on the same day payment is received.  If your insurance benefit is less than the estimated amount, a statement will be sent to you with payment due upon receipt.  Interest at the rate of 1.5% will accrue on all accounts over 30 days.  All accounts 90 days past due will be sent to a collection agency.  If collection steps are necessary you will be responsible for all charges incurred.

 

Note: Dr Doyon reserves the right to modify this policy per individual case.


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