Financial Policy

¨ Payment Policy: Our office is a fee for service office, meaning we politely ask you for your portion of the visit as payment at the time services are rendered. For your convenience, we accept most Dental Benefits, Cash, Check, Visa, Mastercard, Discover Card, American Express, CareCredit and CitiCard payment plans.

 

¨ Our office does not participate with any dental insurance plan(s). However, we are able to file dental claims and, in most cases, receive payment directly into our office. This enables our office to provide the same level of care to each and every patient, regardless of the amount their dental insurance plan may have determined should be paid for the services rendered. In order to participate with dental insurance plan(s), you must agree to discount your fee(s) to the amount they have determined based on zip code, demographics and percentile levels. If we were to discount our fee(s) we would need to compromise the level of service that we provide—which is not an option in our efforts to deliver the most outstanding experience possible.

 

¨ The adult, parent(s), or legal guardian accompanying a minor child are responsible for the family's portion, not covered by any Dental Benefits you may have at the time services are rendered.

 

¨ For unaccompanied minors, non-emergency treatment will be denied unless arrangements for payment on a pre-authorized credit card, cash, or check are made prior to the appointment date and time.

 

¨ We charge a $25 returned check fee and a $25 collection fee for accounts over 90 days that are sent to our outside collection agency. We charge a $30 broken appointment fee for appointments that are broken with less than 48 hours notice at the discretion of the Treatment Coordinator.

 

¨ We try our very best to accurately estimate your portion on the date of service based on the information given to us by your insurance carrier. However, sometimes there is a need to send you a statement, which will be mailed to you the same day payment is received from your insurance company for your visit.

 

¨ Our courtesy service to you includes electronically filing your insurance within 24 hours of your appointment so that benefits may be paid directly to our office, researching your plan to advise you of benefits available to you and following the American Dental Association guidelines for coding and filing insurance claims.

 

¨ Our expectation of you as the owner of the policy is to make payment in full of fees or co-payments not covered by your insurance plan at the time services are rendered. We also ask that you understand that the policy belongs to you and we have no leverage to obtain payment from your insurance. With that, we ask that you take responsibility for payment of your visit should your insurance company not pay within 75 days of your appointment date. In order to avoid this situation, we ask that you keep our office informed of any changes in your insurance coverage or employment.

 

¨ Every dental insurance policy has a maximum benefit, which we are able to track for services rendered in our office. If you have received care by another office, we cannot be responsible for calculating your remaining benefits accurately. You may call your insurance company to receive an updated amount after services have been paid to all offices involved.

 

In no event shall Karen J. Armstrong, DMD, be liable for any damages of any kind or nature, including, without limitation, direct, indirect, special, consequential or incidental damages or loss of profits arising from, or in connection with, the existence, operation, use or reliance of this site. This site is intended for informational purposes only and does not establish a doctor/patient relationship, does not represent diagnosis or treatment, and is not intended to offer specific medical or dental advice.

Copyright 2004 Sawyer Services                                                                                                                                                                                                                                                         

Last Updated: 12/23/2007 10:16 AM

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