Being sensitive to the fact that different people have different needs in fulfilling their financial obligations, we offer three payment plans to accommodate a range of budgets.
- Payment in Full: You will receive a bookkeeping courtesy when you pay your portion at the start of treatment (for fees over $1000).
- In-House Financing: This plan structures your payments with an initial fee and regular monthly payments and includes no interest or finance charges.
- Chase Health Advance: Chase Health Advance now gives you practical, affordable ways to get the health care you deserve, with a range of interest-free and extended payment plans.
For your convenience, we accept MasterCard, Visa and Discover. Also, we offer automatic draft of your monthly payment using a professional payment system called OrthoBanc. The automatic monthly payment may be made from your checking or savings account, Visa, MasterCard, or Discover, by choosing one of four preset draft dates. We offer a family discount on every additional immediate family member receiving orthodontic care.
For those with orthodontic insurance benefits, our Financial Coordinator verifies, prepares and files the necessary paperwork. We will work with your insurance company to ensure that you receive all of your orthodontic benefits. By assigning your benefits directly to us, we will deduct these benefits from your remaining balance.
Common Financial and Insurance Questions
What does your orthodontic investment cover?
Your orthodontic investment includes all office visits and procedures performed by Dr. Dabney over the course of your care. Our office will provide all appliances needed to complete the plan of treatment, including the initial set of retainers. If appliances need to be replaced due to loss, breakage, misuse or careless handling on the part of the patient, there will be a replacement charge.
What does the investment not cover?
Any work done outside this orthodontic practice such as: restorations, check-ups, extractions, periodontal procedures, or surgery is not included in your orthodontic fee. If a change in jaw growth or an injury should occur resulting in Temporomandibular Joint (TMJ) complications or requiring additional orthodontics or orthognathic surgery, a fee adjustment may be necessary and will be discussed.
How does orthodontic insurance work?
There are many different agreements between insurance carriers and their subscribers. Each contract provides a different level of benefit. Orthodontic insurance generally differs from regular dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. Payments are usually paid over the course of treatment as long as the coverage is in effect. Charges for lost or broken appliances are generally not covered by insurance.
How does the office assist you with your insurance?
As a convenience to you, we will gladly submit insurance claims for charges pertaining to care provided by our office. Please be aware however, that our primary financial relationship is with our patients and their families and not with their respective insurance companies. Financial arrangements can be made based on your estimated insurance benefit; however any outstanding insurance claims not paid are the responsibility of the patient or the patient’s family.
What information does the office need to submit claims for me?
To assist us in handling your insurance claims, we ask that you provide the name, address and telephone number of your insurance carrier. We are unable to submit your claim until you have signed the authorization for information release and the assignment of benefits located on the patient registration form. You do not need to bring an insurance form to our office.
How do you apply insurance payments to my account?
Once we know the estimated amount expected from your insurance carrier, we set up a separate section of your account specifically for insurance payments. Although you are acknowledging your financial responsibility for the entire orthodontic fee, the financial contract is structured for the estimated amount due from you. Insurance payments are posted to the insurance contract on your account and personal payments are posted to the personal contract.
I believe my insurance benefit has discontinued or changed-what should I do?
Please notify our office when you become aware that the insurance benefit has been discontinued or changed. We will notify you if we receive information about a change in benefits. Any amount of the estimated insurance benefit that the carrier does not pay will be added to your remaining co-payment.