Our Office Policy Regarding Dental Insurance
“Don’t be fooled.” The difference between Kiddsmiles and most other pediatric specialists is that we are “in network” with most insurance plans (a list of all plans Kiddsmiles participates with is provided here).
The meaning of an “in network” provider is that Kiddsmiles is contracted with your insurance plan to only charge the fee’s that have been agreed upon by Kiddsmiles and your insurance carrier. The only charges you will be responsible for is your deductible and your copays, which have been determined by your insurance carrier and/or employer, as well as any services that your insurance carrier may not cover. However, when going to an “out of network” or “non-participating” provider you will be paying the providers own office fees, which is not regulated by your insurance carrier and in most cases substantially higher than the regulated fees.
Many other Pediatric dentists will tell you they will accept your insurance towards payment. Don’t be misled. This simply means they will take what your insurance company pays to an “out of network” provider, but you will still be responsible for their regular fees.
By understanding how your insurance works makes your experience to your child’s dental visit easier. You do not need to fill out any paperwork nor do you need to spend any unnecessary lengthy phone calls with your insurance carrier. Our highly trained insurance staff takes care of all of that for you.
Kiddsmiles always sends a pre-approval for any dental treatment that your child may need to have prior to the treatment. When your insurance carrier receives the pre-approval, they send it back to Kiddsmiles stating what your “co-pay” is for every procedure which helps us keep your “out of pocket” expense to a minimum. Please also be aware that no insurance carrier will ever give a 100% guaranteed for payment until the services have been completed and the insurance carrier receives the claim. This is not Kiddsmiles’ policy; it is your insurance carrier’s policy.
If you have any questions regarding your plan at any time during your visits our receptionists and insurance coordinators are more than happy to explain your individual plan to you.
If we have received all of your insurance information on the day of the appointment, we will be happy to file your claim for you. You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. By law your insurance company is required to pay each claim within 30 days of receipt. We file all insurance electronically so your insurance company will receive each claim within days of the treatment. You are responsible for any balance on your account after 30 days, whether insurance has paid or not. If you have not paid your balance within 60 days a re-billing fee of 1.5% will be added to your account each month until paid. We will be glad to send a refund to you if your insurance pays us.
Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and gives your child the best possible care. We accept cash, personal checks, debit cards and most major credit cards.