Billing & Insurance

We ask that you pay for your dental care at the time of service. We accept cash, personal checks, MasterCard, Visa (credit or debit), Discover, and CareCredit.

In the case of dental insurance, we ask you to pay your estimated portion at the time of service. Any adjustments to that estimated portion will be mailed to you after the insurance has paid the actual amount allowed.
In the case of recommended treatment, you will be given an estimate of the costs and asked to make specific financial arrangements. For any patient desiring monthly payments, we have available an out-of-office company called CareCredit. Our office does not offer in-house monthly payments. For information on CareCredit, you can call our office or go to www.carecredit.com.

To assist us in meeting our financial obligations, we make available a prepayment cash courtesy. This cash courtesy applies to treatment plans exceeding $500.00. If the full amount of the treatment plan is paid at the first appointment with a check or cash, five percent will be deducted from the total amount. If you pay in full at that initial appointment with a VISA or MasterCard, three percent will be deducted from your total amount.

We are not privy to nor part of your policy; therefore, the information we are given is frequently limited and incomplete. As a service to you, we are glad to file your insurance information, to accept assignments, and to assist you in obtaining the benefits you are due; however, regardless of insurance coverage, you are responsible for the total amount charged. That means if the insurance doesn’t pay what you expect it to pay, you are still responsible for the total amount.

It is important to note that we can never know the exact amount your insurance will pay on any service we render. Every policy is different and we handle hundreds of policies. You need to be familiar with your policy, any waiting periods, any deductibles, any exclusions, any special clauses, any time limitations, and any provider restrictions. Please read your policies carefully, ask your human relations director to explain it to you thoroughly, and ask questions. Remember, you are responsible for tracking your and your dependents’ maximum usage and frequency limitations. If you are not sure how to track these factors, our business team members are available to assist you in any way possible.

At your first appointment, it is important that you bring your dental insurance card and information with you. We will enter the information into our computer, which will help us estimate the portion you will need to pay out-of-pocket. We will also need personal information such as the insured’s social security number and birth date. Of course, our privacy practice assures this information is used only for treatment, payment, and healthcare operations.

At the time of service, we ask you to pay your estimated portion of the total charges. After we receive payment from your insurance company, you will be notified of any outstanding balance or credit. Please remember, you are responsible for all fees of service regardless of insurance coverage. If the patient is a minor, the parent or custodian who personally completes and signs the registration form will be financially responsible regardless of marital situations.

In the state of Tennessee, it is mandated by law that a dental insurance claim be responded to or paid within thirty days of receiving the claim. If you have a claim older than thirty days which has not been responded to by your insurance company, please contact our office. Our business members have experience in this area and can assist you with your insurance company issues.