PATIENTS WITH INSURANCE

At the time of surgery, patients are requested to make an initial payment toward the estimated charges. This amount will be thirty percent (30%) of the estimated total charges. If your insurance pays in addition to the balance due on your account, a refund will be sent to you promptly. Refund checks are sent out twice per month.

Many insurance plans state that you will be covered up to "50%, 80%, or 100%". In spite of that statement, we have found in actuality that many plans may cover less than that depending upon their established "usual and customary fees" and what services they actually cover. Insurance companies use the term "usual and customary" when setting fee limitations on services. Please be aware that some insurance companies will pay a claim percentage based on their "usual and customary fees", not our actual charges. If requested by the patient, we will request preauthorization by your insurance carrier to determine what portion of the charges will be covered; however, this often requires several weeks to be processed by the insurance company.

PATIENTS WITHOUT INSURANCE

Patients without insurance are required to pay the charges in full at the time of surgery. An estimate will be given to you at your examination / consultation appointment.

PAYMENT OPTIONS

Personal check, cash, or Visa / Discover / Master Card may be used for payment on your account. A 5% discount will be given to all patients having surgery who pay their accounts by cash or check in full on the day of service. This discount does not apply to credit cards. There will be a $30.00 charge for all returned checks. Postdated checks will not be accepted.

BUSINESS MANAGER

We require pre-authorization for all hospital surgery. Financial arrangements for hospital surgeries are made on an individual basis with our business manager prior to scheduling surgery.

OFFICE MANAGER

We will be happy to pre-authorize your insurance for implant benefits. However, since few insurance carriers cover implant surgery, financial arrangements will be made on an individual basis with our business manager prior to your scheduled surgery.

ACCOUNT BALANCES

The balance on all accounts is due in full in 60 days regardless of insurance coverage or anticipated payment from other sources. In the event that payment for our services is not made within 60 days of receipt of services, an interest charge of 1.5% per month will be added to the account (18% per annum). Therefore, patients with insurance whose claims have not been paid within 45 days should contact their insurance company to determine the reason for delay of payment. Delinquent accounts will be referred for collection at the discretion of the business manager; a $50.00 charge will be assessed for all accounts sent to collections.

CANCELLATION POLICY

Surgery appointments canceled within 48 hours of the planned surgery (without 48 hours notice) may be subject to a cancellation charge. “No Show” at a scheduled appointment will result in a charge based on the time allotted for the appointment.

For your convenience, we accept Visa, MasterCard and Discover. We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time service is rendered unless other arrangements have been made in advance. If you have questions regarding your account, please contact us at 503-924-2323. Many times, a simple telephone call will clear any misunderstandings.

Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage.