insurance
Our insurance coordinators deal with many different insurance companies. Some companies offer as many as six different dental and medical plans. Some companies combine dental and medical coverage. This insurance cornucopia changes policies and guidelines weekly. At times, it is almost impossible to accurately estimate our patient’s insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. Dealing with these companies can be difficult and time-consuming. As a courtesy, we ask that you keep us informed of any changes to your insurance. It is important that all information about you and your coverage be current.
At the offices of Drs. Fraser and Michaels, we make every effort to provide you with the finest surgical care and the most convenient financial options. To accomplish this we work hand in hand with you to maximize your insurance reimbursement for covered procedures. Please call if you have any questions or concerns regarding your initial visit. Please bring your insurance information with you to the consultation so that we can expedite reimbursement.
We always ask for $65.00 consultation fee on the day of your consult and as a courtesy we will submit this for you to your dental Insurance.
HMO Patients — If a patient comes to us with a problem that they expect to be covered by medical insurance, (biopsies, tumors, TMJ, infections, jaw deformities) they must have a referral from their primary care physician. A referral from a dentist is not adequate for medical insurance coverage. Obtaining a medical referral is the patient’s responsibility. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.
Medicare Patients — Medicare pays us directly for your care. You are responsible for any deductible and co-insurance. Dental procedures, (extractions, implants), are not covered by Medicare. If Medicare denies your procedure, you are responsible for the charges.
Private and Group Insurance — As a courtesy, we will file your insurance claims for you. We ask that our patients make a deposit of 35% at the time of surgery on the day of service, on any consults or surgery charges totaling $250.00 or less. Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment it will be refunded to you.
If you have any problems or questions, please feel free to ask our staff. They are well informed and up-to-date. Financial department personnel can reached by phone at 614-471-6600 or 740-654-6628.
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