Financial Information and Insurance For Dental Patients In Georgia
For many people, dental procedures are the cause of anxiety. One thing that should never cause you to worry is concern over how to pay for your dental care. Dental insurance plans cover a wide range of dental services, but patients without insurance need proper oral health care, too.
At North Atlanta Family Dentistry, we offer several payment options and financial information for dental patients in Georgia. We understand that every patient is different and will work with you to set up the payment option. We also work with insurance for dental patients in Georgia, helping you understand your policy and what it covers.
Available Payment Options
North Atlanta Family Dentistry accepts several different payment options, including:
- Credit cards – Visa, MasterCard, Discover, and American Express
We cannot accept personal checks.
Types of Dental Insurance Coverage
Your dental health insurance always covers some dental services, but others may only be covered under certain circumstances or only in part. How much or how little of your dental care your dental health insurance covers is determined by the types of dental coverage.
Most policies will cover preventative care in full, which means that your exams and cleanings, as well as X-rays and sealant applications, will all be paid in full.
Basic services are usually covered up to at least 70%. These services include tooth extractions, root canal therapy, and procedures for treating gum disease.
Major dental services, such as bridges, crowns, dentures, and inlays/onlays, are rarely covered by dental insurance. If they are, the co-pay for them is frequently relatively high.
Understanding Insurance Terms
Knowing some insurance lingo is crucial to understanding insurance for dental patients in Georgia. Co-pays, for example, are a set amount of money that you, the insured, must pay out-of-pocket for dental services. Co-pays are usually paid at the time of service.
The deductible is another crucial amount you have to take into account. This small amount is usually paid before the insurance company pays anything and goes directly to your service provider.
There may be annual limits on how much your insurance company will cover. These yearly maximums correlate to what you pay as a monthly premium.
Types of Dental Insurance Plans
Dental insurance plans usually fall into one of these categories:
- HMO Dental Plans
- PPO Dental Plans
- Indemnity Plans
With an HMO or Health Maintenance Organization, you must choose a provider from the network that the insurance company stipulates. Preferred Provider Organizations (PPOs) function similarly, but they permit you to go outside of the network, though you may need to pay more to do so.
An indemnity plan does not force you to choose from an approved network of providers. Instead, you can freely pick your dental services provider and remain covered within the parameters of your policy.
Ensure that you read your dental health plan carefully and understand what is and isn’t covered. At North Atlanta Family Dentistry, we will work with you and your insurance company in every way we can to make sure you can get the dental benefits you need and the care you require.
Dental Options for the Uninsured
North Atlanta Family Dentistry knows that not having dental insurance is a hardship many families face. With that in mind, we offer patients of our practice an opportunity to enroll in our Membership Club. As a member, you can simplify your dental payments for preventative care.
With low monthly payments and the opportunity for discounts on treatment, the Membership Club provides a way for loyal patients to pay for services received without breaking the bank.
Taking care of your teeth is vitally important, affecting every aspect of your physical and mental health in many different ways. North Atlanta Family Dentistry works with you and your insurance company to handle the financial aspects of proper dental care for you and your family.
With plenty of financing options and an Exclusive Membership Club for loyal patients, North Atlanta Family Dentistry has one goal in mind: helping you maintain a healthy smile.
Call us today for an appointment at (470) 387-0500. Our dental health offices are located in Johns Creek, GA, and Cumming, GA.