Payments & Fees

Payments & Fees

Financial options are discussed during the initial visit. Dr. Largent and her staff are committed to providing excellent dental care and guide parents in choosing the best payment option for their individual needs. We accept cash, check, credit cards, flex cards and Care Credit.

Payment in full is due at the time of service. All patients must check out at the front desk to ensure that payment, co-payment, or deductible is paid. We do not offer payment plans or in-house financing. Financing can be arranged with Care Credit (healthcare credit card) with credit approval.

We accept payment from most major dental insurance companies. We are a participating provider (in network) with Delta Dental Premier and all Medicaid plans. All other insurance plans consider our office an out-of-network provider and will pay us accordingly. You will be responsible for co-payment.

We do not file secondary insurance. If you have two insurance plans we will contact your companies to determine which one is the primary policy. We will provide you with a claim form, and you may file the secondary claim, and you will be reimbursed directly. If you have Medicaid as your secondary insurance you are not able to file it yourself (due to their regulations), and the option of using Medicaid benefits as secondary insurance is not available. PLEASE UNDERSTAND that we file dental insurance as a courtesy to our patients. Familiarize yourself with your insurance benefits. Only you, and not the dentist has a contract with your insurance company. We are not responsible for how your insurance company handles claims, or for the benefits they provide. We can assist in estimating the portion of the cost your insurance will pay. We cannot guarantee what your insurance will or will not do with each claim made.

Fact 1 – No Insurance Pays 100% of All Procedures

Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90-100% of all dental fees. This is not true! 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 has paid for coverage or the type of contract your employer has set up with the insurance company.

Fact 2 – Benefits are not Determined by Our Office

ou may have noticed that 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 exceeded the usual, customary, or reasonable fee (“UCR”) used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily choose a level they call the “allowable” UCR Fee. Frequently this data can be three to five years old and these “allowable” fees are set by the insurance company so they can make a net 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 usual, customary, or reasonable (UCR) figure.

Fact 3 – 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 it 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 and 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.

Fact 4 – Only Perecentages are Released

Insurance companies will not release the exact amount they will pay for a procedure until treatment is completed and the claim is submitted. They will only state the percentage of their fee schedule that they will cover.

We will make every effort to ensure your child receives the maximum benefits allowed under your plan. In order to provide this service, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment. We will be unaware of any of these changes unless you bring them to our attention.