Billing, Financial & Insurance Information
Platt Family Dentistry's goal is to provide excellence in the dental services that we deliver patients. With over 35 years of advanced training, Dr. Ryan Platt and Dr. Abigail Platt are well versed at treating both simple and extremely complicated restorations. Their experience enables you in making informed decisions about your care, treatment, and related cost of care.
Our office strives to ensure that our fees are fair and competitive by regularly comparing them to national fee averages. Copays and payments are collected at the time of treatment and we file the related claims with your dental insurance provider. For patient convenience, we accept multiple forms of payment including Mastercard, Visa, American Express, Carecredit, and Discover. Additionally, financing arrangements may be setup to fit your individual needs by extending payment over a period of time.
If all of your insurance information is received before your appointment, our team will be happy to file an insurance claim for you. While our professionals are committed to getting patients reimbursed through their dental carrier, ultimately it is up to the patient to understand differences between medical and dental insurance in addition to the specifics of their policy.
Many patients believe that dental insurance covers 90-100% of dental fees when in reality, most insurance plans only cover 30-80% of the fees. In some cases, dental insurance reimburses a rate lower than the actual fees incurred. Typically, this occurs when the insurance company argues that the dentist’s fees exceeded what is considered usual, customary, or reasonable. This is basically the insurance company suggesting that your dentist is overcharging rather than owning up to their responsibilities to honor the claim. What is ultimately paid out, depends on the policy chosen, how much coverage is paid for by you or your employer, and any contractual agreements your employer has with the insurance carrier.
Insurance companies’ primary focus is on making money so the more they pay out in claims, the less profit they make. As such, it can sometimes be difficult to hold the insurance company accountable for the claim. One tactic insurance companies often use to delay or avoid paying claims is to state that they failed to receive necessary information to process the claim. This allows them to delay payment by 45 days. To benefit the insured, we digitally document what information we send to the insurance carrier and the date it was sent. Since insurance companies are legally required to pay claims within 30 days of receipt, we mostly file claims electronically so that the insurance carrier receives the claim in a matter of days after receiving treatment. If the insurance carrier pays us, we promptly remit the money to the policyholder.
Our team is committed to getting patients the maximum benefits available. We frequently receive inquiries about Medicare, Caresource-medicaid, and other welfare coverage. While we do not file with these plans, we are still here to treat you and may be able to make arrangements for your desired care.
If you have any questions or would like to schedule an appointment, please feel free to give us a call.