Financial & Insurance
We provide the following payment options, being sensitive to the fact that each patient has different needs in fulfilling his/her financial obligations: we accept Cash, Visa, MasterCard, Discover, and American Express. Please note: we do not accept personal checks.
1. We offer extended payment plans through Care Credit and Lending Club.
2. Please note that payment is due at the time of service.
3. In Workman’s Comp cases we will work directly with your employer and workman’s comp insurance provider.
Our office has a 48 hour cancellation policy. Your appointment is time reserved especially for you to provide you with outstanding care for your dental needs. We strive to provide you with a courtesy reminder via e-mail, text or a phone call; however, it is ultimately your responsibility to remember your dental appointment. Please take note that there is a $25.00 fee for appointments cancelled with less than 48 hours notice. Any appointments missed on Saturdays will incur a $50 fee. If a patient has a history of Saturday missed appointments a deposit will be required to make a new Saturday appointment.
Late Payment Fee
To avoid increased fees to all patients, any account balance over 60 days will be assessed a Late fee of $25.00. Accounts over 90 days past due will be transferred to a collection agency for credit notification and debt collection. Accounts transferred to collections will be assessed any court fees and additional collection costs.
Confused About Insurance? We Have You Covered.
Insurance & Patient Co-payments
If you have insurance we will help you determine the coverage you have available. In order to best assist you, it is important that you submit your dental and/or medical insurance information to us with your New Patient Paperwork a minimum of two business days prior to your scheduled appointment. This allows us time to contact your insurance company and obtain a breakdown of the benefits you or your employer purchased from the company. In addition, you will want to bring a dental benefit book that your carrier should be able to provide. Our business team will be happy to help you understand your policy.
Should you be diagnosed with treatment services, we will be able to provide you with a detailed plan which will give you an estimate of how much your insurance company may pay for each procedure, as well as the portion you will be expected to pay at the time of service.
Professional care is provided to you, our patient family, and not to an insurance company. The insurance company is responsible only to the patient as a benefit from the individual or employer plan purchase, and the patient is responsible to the doctor. We will assist you every way we can in filing your dental or medical claim and handling insurance questions from our office on your behalf.
Terms to Know
• Deductible: A deductible is a small amount paid to your care provider before your insurance provider pays anything. For instance, if you have a two-thousand-dollar deductible than you must pay two thousand dollars towards your bill before the insurance company pays anything.
• Co-Pays: Co-pays are a set amount you must pay out of pocket for services. For example, if you were to have a twenty-dollar co-pay for prescriptions, you would have to pay that amount, while the insurance company would cover the rest. Usually, you will need to pay the co-pay at the time of the service.
• Yearly Maximums: A yearly maximum is the limit that your insurance policy will pay. If you have a thousand dollar yearly maximum, but your bill is twenty-five hundred then you will be required to pay one thousand of that to your dentist. Usually, the amount of your yearly maximum directly correlates to your monthly premium.
Types of Dental Insurance Coverage
1. Preventive: Most insurance policies fully cover preventive care such as cleanings, x-rays, and sealants.
2. Basic: Typically, insurance will cover 70 to 80 percent of this category. Treating gum disease, tooth extractions, and root canals are all examples of basic services.
3. Major: Major services such as crowns, bridges, inlays, and dentures are rarely covered. If they are covered, you will have a higher co-payment.
Categories of Insurance Plans
If you have insurance, your policy probably falls into one of the following categories:
1. HMO (Health Maintenance Organization): Provides you with a network of providers to choose from. You must choose a provider from this stipulated network to be covered.
2. PPO (Preferred Provider Organization): Similar to HMOs, PPOs offer you access to an approved network of providers. You can see providers outside the network, but you may have to pay more.
3. Indemnity: An indemnity plan allows you to pick your care provider and does not make you choose from an approved network.
We Will Work With You
No matter what your insurance plan covers or does not cover, be sure to read it carefully, and ask questions. At North Atlanta Family Dentistry we will do everything we can to work with you and your insurance company.
No Insurance, No Problem!
Are you a patient of our practice without dental insurance?
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Call North Atlanta Family Dentistry at (470) 387-0500 for more information.