Patterson Family dental Care accepts many forms of payment:
- Cash, Check, Credit card or Debit card
Our office also accepts most traditional insurance plans & will file your insurance claims as a complimentary service.
Dr. Stuart also accepts Delta Dental Insurance.
Patient financing is also available through CareCredit®.
To learn more about CareCredit® please visit their website (www.carecredit.com)
Patterson Family Dental files dental insurance for our patients as a complimentary service. If provided with up-to-date dental insurance information at each visit we will file your insurance claims and provide follow up information to any rejected claims to maximize your dental insurance benefit.
Understand that we do not have a contract with your insurance company, only you do. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We cannot be responsible for any errors in filing your insurance as we simply file claims as a courtesy to you.
Dental Insurance Facts & Frequently Asked Questions
FACT – No Insurance pays 100% of all procedures
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90-100% of all dental fees - THIS IS NOT TRUE – Most plans only pay between 50-60% 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 front office staff is happy to try to help you determine your non-covered portion.
FACT – Benefits are not determined by our office
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee exceeds the usual, customary, or reasonable fee (“UCR”) used by the company. A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate. Insurance companies set their own schedules and each company uses a different set of fees they consider “reasonable”.
QUESTION – Why is there an annual maximum on my benefits?
Maximums limit what a carrier has to cover each year. Amazingly, despite the fact that costs have steadily increased, annual maximum levels for dental care have changed very little since the 1960’s.
QUESTION – Why do some plans require me to select a dentist from a list?
Usually the dentists on the list have agreed to a contract with the benefit plan. These contracts have restrictions and requirements. Some dentists are not comfortable with these restrictions and requirements and therefore do not participate in these types of contract plans.
QUESTION – What should I do if my insurance doesn’t pay for treatment I think should be covered?
Because your insurance coverage is between you, your employer, and the insurance carrier, Patterson Family Dental has no control over what your insurance may pay. You are always responsible for what your insurance does not pay. Sometimes a plan may pay if patients send in the claims for themselves. The employee benefits coordinator at your place of employment also may be able to help. Patients will often get a quicker response if they contact their insurance carrier themselves.