We understand that insurance plans can be very confusing and challenging. Below is an explanation of the types of insurance.
A DHMO is a Dental Health Maintenance Organization. This plan operates with a network of dentists who offer discounted rates to users within the network of those covered by the plan. Our doctors are not in these networks.
A PPO is a Preferred Provider Organization. A PPO gives you the flexibility to choose either an in network dental provider or an out of network dental provider. Our doctors are both out of network providers for all PPO plans. PPO plans will pay benefits to our office but they may be at a lower reimbursement rate than a network provider. If this is the case, the patient will be responsible for any portion not covered by their PPO plan.
How Insurance Works In Our Office
It is the patient's responsibility to bring your insurance card or proof of insurance to your first visit and at any time your insurance changes. Insurance benefits are determined by your employer, not your dentist. Your coverage is a contract between your and your insurance company.
As a courtesy to our patients, we will file your PPO insurance and accept the assignment of benefits, however we do not verify benefits. If you are not sure what your benefits are, please contact your insurance company. We will verify your dental eligibility and will estimate your deductible and your portion of the fees. Your portion is due on the date service is provided.
If your insurance does not accept assignment of benefits and the insurance payment is mailed to the policy holder, our office must collect on the date service is rendered. Insurances know to mail payments to the policy holders are, but not limited to, Delta Dental and Blue Cross Blue Shield.