Finance and Insurance
Answering your questions about dental insurance, policy, and financing
We understand the specifics of your dental insurance plan to help you best use and maximize your benefits. Our office has years of experience working with almost every dental insurance company in the Columbia South Carolina area. We are happy to answer any specific questions you may have.
We have many patients with Delta Dental, MetLife, Blue Cross Blue Shield, Cigna, United Concordia, the State Dental Plan and State Dental Plus.
We are proud that all of our patients choose us for our care and not because of insurance. Dental insurance is not like medical insurance. Many people don’t know this, but most dental insurance plans actually allow you to see any dentist you choose! However, some insurance companies have signed up a list of dentists willing to accept lower reimbursement in exchange for steering patients to their office. Insurance companies call these dentists “Preferred Providers.” Insurance companies get people to choose their “Preferred Providers” by reducing deductibles or patient payments at those specific offices. Dental offices that are highest quality and less sales-oriented often don’t participate in these “In-Network” lists. At Brickyard Dental Group, our doctors have chosen not to become “Preferred Providers” for any insurance company. They have done so in order to continue to provide affordable, high quality dental care to our patients– without insurance companies’ interference in treatment recommendations or limitations on which specialists we may refer to.
After your visit to Brickyard Dental Group, we will send your claim to your dental insurance for you. We then receive their payments directly to us; so you are only responsible for the costs your insurance does not pay. A few dental insurance companies will only reimburse the patient directly. In those cases, we will require payment in full at the time of service. We will still submit all claims to your insurance on your behalf, but your reimbursement check will be sent directly to you. Before any treatment is begun, we will calculate your specific benefits so you may make the best decision concerning timing and treatment alternatives. We understand that finances are important. We do everything we can to avoid any unexpected charges. We always estimate what your insurance company will pay and what your portion will be before performing any treatment. Dental Insurance is a great benefit to have. But many people don’t have dental insurance– including those who are self-employed, retired, and many whose employers do not offer this benefit. Fewer people have dental insurance than have medical insurance, because they are actually very different things.
No problem. Many people don’t. At Brickyard Dental Group, we can make it easy for you to get the dentistry that you need and want. In addition to all major credit cards, we accept cash, check, and have financing plans through CareCredit for qualified individuals. Call today to find out how we can make quality dental care affordable for you.
Understanding Dental Insurance
It is more accurate to call it a Dental Supplement rather than Dental “Insurance”. Dental “Insurance” is very different than medical insurance.
Dental “insurance” started in the 1970s and has not changed significantly. Most plans have an annual maximum of between $1000 and $1500 per year. Most plans have a 100/80/50 tier – 100% (of their allowable) for preventive care, 80% (of their allowable) for fillings and 50% (of their allowable) for crowns.
You may see your dental insurance company use terms such as “allowable amount” or “Usual, Customary, and Reasonable” (UCR) fees. There may be times that our fee is more than your insurance company’s “allowable” or UCR amount. Please remember, it is your insurance company that determines their own “usual, customary, and reasonable” fees and those fees have nothing to do with the average charge for services in your area.
Our relationship is with you, not your insurance company. Insurance companies are not medical experts. What insurance “allows” and what is in your best dental interest are not always the same thing. Our goal is to provide you with the best care we can to help you maintain your optimum dental health. That may or may not be the goal of your dental “insurance” company.
We are not an in network provider with any insurance company. We are proud that every patient who chooses our practice, does so because of the care we provide and not because we are a name on an insurance list. Dental offices that are highest quality and less sales-oriented often do not contract with insurance companies.
At Brickyard Dental Group, our doctors have chosen not to become “Preferred Providers” for any insurance company. They have done so in order to continue to provide affordable, high quality dental care to our patients– without insurance companies’ interference in treatment recommendations or limitations on which specialists we may refer to.
We will provide you with a treatment plan with an estimate of your portion after insurance reimbursement. Please keep in mind that until your insurance company processes your claim it is only an estimate. We make no guarantee of insurance reimbursement. If insurance reimbursement is less than estimated the patient is responsible for the balance.
As a courtesy we are happy to file all charges with your insurance company. If your insurance company has not completed the processing of your claim within 60 days from the date of service the balance will become due and payable by the patient unless other financial arrangements have been made.
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