Thank you for choosing Ridgeview Pediatric Dentistry! We make every effort to provide you and your child with a positive dental experience. Please remember that payment is required at the time of service.
- We will gladly help you receive your benefits from your dental insurance company. As a courtesy to you we will file all claims to your dental insurance, however, you are responsible for all charges or payments due for services we provide. We strive to give you the most accurate estimates our resources allow, yet it is crucial you understand that as your child’s dental care provider our relationship is with you- not your dental insurance company.
- In an effort to better assist you with your dental insurance, please provide our office with accurate insurance billing information at least 48 hours prior to your child’s appointment. If we do not have the correct information you will be responsible for 100% of the fees at that visit and insurance will not be billed for that day.
- At Ridgeview Pediatric Dentistry we follow all guidelines of the American Academy of Pediatric Dentistry in regard to the frequency of all x-rays, cleanings, fluoride treatments, and restorative care. As a specialist, Dr. Mudd considers these guidelines to be the standard of care for your child. These guidelines are not dictated by your insurance benefits and it is solely your responsibility to understand whether your insurance plan will reimburse you for services. Insurance benefits may vary with the age of your child. Please verify eligibility and benefits with your insurance prior to your appointment.
- Facts about dental insurance:
- Most insurance companies ONLY PAY A PORTION of the fees incurred.
- 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.
- Our office does not determine your dental benefits.
- We are considered an in-network provider for the majority of PPO insurance plans in our area. Our fees fall within the acceptable range for most insurance companies. Some insurance companies use a different fee schedule which does not comply with the standard and cost of care in this area and you will be responsible for any cost differences. Any necessary adjustments to our fees will be applied to services according to our office contract with each insurance company.
- You may notice that your dental insurer reimburses our office at a lower rate than our actual fee. Sometimes they state that the fee was reduced because ours has exceeded the UCR or usual, customary or reasonable fee. This statement can be misleading. As a preferred provided with your insurance company, we have agreed to accept your insurance companies fee, which we do not control and they determine. We are always happy to help you sort out this information and better understand your dental insurance. Please call our office if you have questions about the fees and reimbursement rates.
- Don’t forget about your deductible and co-payments.
- Here is an example of how deductibles are applied:
*For this example, assume that the billed fee was $150 and that this is the usual, customary and reasonable fee (UCR) that your insurance reimburses.
$150 was billed and is the UCR
$50 deductible is required by your insurance (usually a yearly amount) to be paid by you
The deductible is subtracted from the fee, leaving $100. The plan then pays 80% for this procedure. That means that the insurance company will pay the provider 80% of the $100. Therefore, of the $150, the insurance company will pay $80 and YOU will be responsible for the deductible and 20% copay for a total of $70.
- If this seems confusing, it is because it can be! Please feel free to contact our office for questions regarding your benefits and how the fees might be reimbursed by your particular insurance policy.
- If you’d like, we can submit a dental pre-determination to your dental insurance for an estimate on your child’s treatment. This may take 4-6 weeks to be returned to our office. You may also check with your insurance carrier to get any estimated benefits. Please keep in mind these too are only estimates, and are not a guarantee of payment or coverage.
- Most importantly, remember that your insurance coverage is an agreement between you and the insurance carrier. We make every effort to provide you with an accurate estimate. Final responsibility for any unpaid balance will be yours.
- We recognize that sometimes an account balance may be incurred. If your balance is not paid in full within 30 days after receipt of statement, an interest rate of 1.5% monthly (18% annually) will accrue.
- For your convenience, we accept Visa, Mastercard, Discover and American Express, cash and personal checks. Please contact our office if you are interested in information about Care Credit.
- If you have trouble making your payment, please contact our office to discuss payment options. If we have not received payment or you have not contacted our office within 90 days, further action may be taken with a collection agency and additional fees may be incurred.
We are committed to the dental health of your child. Thank you in advance for your understanding and adherence to our financial policy!