Financing Options with Hill Dentistry
Hill Dentistry has teamed up with Care Credit to bring our patients this amazing zero down and 0% interest financing offer.
Care Credit lets you begin your dental treatment immediately then pay for it over time with low monthly payments that are easy to fit into your monthly budget. So, you can begin your dental treatment today and conveniently pay with low monthly payments.
- 6 & 12 Month plan options [Click For Details]
- No interest if the balance is paid within the specified time period
- Low minimum monthly payments
If you have any questions about your specific insurance coverage, Please Ask For Our Financing Insurance Specialist when you call into Hill Dentistry.
Be your own advocate!
Familiarize yourself with your insurance company website! There is a wealth of information for you–from your yearly benefit maximums to past claims history. Be sure to read the fine print for downgrades, exclusions and frequency limitations, as well as deductibles.
We recommend that you print and study the information about your plan before coming to the office so that we can best work together to maximize your benefits.
We do not have a relationship with your insurance; the relationship is between you and the insurance company to which you pay premiums. As the consumer, insurance companies are likely to be more helpful and compliant with the subscriber than they are to a dental office.
If you still have questions about payments made by your insurance company and your contractual co-payments AFTER you have called your insurance company or accessed the website for your plan, please feel free to call our office. Juliana is available to answer your questions Tuesday through Thursday, from 1pm to 2pm.
1. DO I REALLY NEED ALL THOSE DOCUMENTS AND FORMS MY INSURANCE COMPANY SENDS ME?
Yes! Save the EOBs (Explanation of Benefits) that your insurance company sends to you detailing the payments they have made to our office and the write offs they specify per our contractual agreement, if we have one. You will receive them before we do in most cases. (A write off is the difference between our regular fee and the fee we have agreed to charge patients under that insurance contract.) Your insurance company will be able to help you read and understand these forms.
2. WHAT IF I CALL MY INSURANCE COMPANY AND THEY SAY YOUR DENTAL OFFICE HAS NOT SUBMITTED THE APPROPRIATE DOCUMENTATION?
Please be aware that this is a standard response and delay tactic used by insurance companies and that Dr. Hill’s staff sends required documenting information with every claim for your services. However, documents are not always received via the mail or electronically, but know we have a system for following up on unpaid claims. Please feel free to call during the available hours to discuss your insurance (1pm-2pm, Tues-Thurs.)
3. ARE THERE CIRCUMSTANCES THAT PREVENT MY CLAIM FROM BEING PAID?
Yes! Pay attention to particulars on your plan such as waiting periods, exclusions, maximums and frequencies. The following is a list of details common to many insurance plans:
4. WHAT IS AN FMD AND WILL IT BE PAID BY MY INSURANCE?
FMD’s (full mouth debridement’s; a deep cleaning for patients who have not had their teeth cleaned for 2 years or more, in most cases) are sometimes not covered at all or could be covered at 50% or 80%.
5. HOW OFTEN CAN I GET PERIO MAINTENENCE?
Perio Maintenance is covered 2 times per year after Root planing/Scaling or perio surgery. Some insurance may cover it 4 times per year.*** It is only covered after patient has received scaling and root planing in affected areas.
6. TO WHAT AGE CAN MY CHILD RECEIVE SEALANTS?
Sealants have age limitations and frequency limits; each plan is slightly different—consult your benefits brochure or call your insurance.
7. WILL MY EMERGENCY APPOINTMENT EXAM BE COVERED?
If you have any emergency appts or an appt for a specific dental issue your limited (problem focused) exam may not be covered due to frequency. (most companies cover regular exams 2x per year.)
8. WILL MY BRIDGE, PARTIAL, CROWN, IMPLANT BE COVERED?
Missing tooth clauses will result in your Insurance denying procedures such as Bridge/ Partial/ and or Implants if the tooth being replaced was extracted prior to effective date with your current plan (the day your coverage began.)
9. HOW OFTEN CAN I REPLACE A CROWN, BRIDGE OR PARTIAL?
Replacement Clauses are usually 5-7-8 or 10 years; even if you previously had a different plan, insurance will not replace a crown /bridge/partial or denture if you’ve had the restoration for less than the requirement.
10. WHAT ARE PHOTOS USED FOR?
United Concordia, and some other insurance companies, require photos of back teeth fillings and for any procedures on your front teeth for proof that the procedure is needed and not cosmetic.
11. TO WHAT AGE CAN MY CHILD STAY ON MY PLAN?
Most plans will now cover your young adults up to 26 years if a full time student and possibly up to 25years if a dependent living in your home. All insurances are different so you would benefit from researching that info if you’d like to assist your young adult with dental coverage.
12. DOES INSURANCE COVER COMPOSITE FILLINGS?
Many plans still downgrade back teeth fillings when the resin/ composite material is used (tooth colored filling) to an amalgam or metal filling; DR. HILL ONLY USES RESIN COMPOSITE MATERIAL,WHICH IS THE CURRENT STANDARD OF CARE; the patient/subscriber is responsible for the difference between the cost for the two different types of fillings; this will usually be billed to you AFTER your insurance has paid; you are still responsible for your estimated contractual copayments at the time of service.
13. IF I HAVE TWO DENTAL POLICIES DO I STILL HAVE A COPAYMENT?
You may still have copayments similar to just having one insurance; this is due to how the secondary insurance coordinates benefits, or you may have little or no out of pocket expense—it is a case by case situation, determined by your SECONDARY policy.
14. WHAT ELSE DO I NEED TO KNOW ABOUT HAVING TWO POLICIES?
In most cases the only negative to dual insurance is that it can cause un timely billing, as it may take up to 2 even 3 months to get claims completely paid. It is generally a great benefit to the patient to have two policies. Sometimes if your primary Insurance denies a procedure, your secondary may pay like a primary plan would.
15. HOW OFTEN WILL MY INSURANCE PAY FOR XRAYS AND AM I RESPONSIBLE FOR THE FEE IF THEY DO NOT PAY?
We try very hard to only take the xrays for which you are eligible. However, we do not allow Insurance to determine the level of care we offer our patients. If the doctor or hygienist feels it is important to take a particular xray to properly care for you and your family, you may have a cost associated with this xray. We will adjust off the difference between our fee and the fee contracted by your insurance company and will make additional adjustments off the fee as necessary.
16. WHOSE PLAN IS PRIMARY AND WHOSE IS SECONDARY?
For an adult with a plan set up through their employer, that plan is primary and your spouse’s plan would be secondary. For children, MOST companies follow the birthday rule: The parent whose birthday falls first in the year is the primary coverage for the children.
THANK YOU FOR GIVING US THE OPPORTUNITY TO CARE FOR YOU AND YOUR FAMILY!