1000 W Nifong Blvd, Building 6, Suite 130 | Columbia, MO 65203
Columbia Phone: 573-874-1990
info@columbiadentistryforchildren.com

931 Wildwood Dr, Suite 104 | Jefferson City, MO 65109
Jefferson City Phone: 573-634-1990
jeffcitykidsdds@gmail.com

Financial Info

Financial Arrangements and Insurance Policy

We welcome your child and family into our practice and we will strive to make your child's dental experience positive and pleasant. We are committed to providing your child with the highest standards of dental care. In order to achieve these goals, and focus on caring for your child, we need your assistance and understanding of our financial policy.

Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and gives your child the best possible care.

We accept cash, check, Visa, MasterCard, Discover and Care Credit

Our Office Policy Regarding Dental Insurance

The sooner you have completed the online registration and we have received all of your insurance information, we can verify your insurance coverage and benefits prior to the appointment. When we have received all of this information we will be happy to file your claim for you. You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. PLEASE UNDERSTAND that we file dental insurance as a courtesy to our patients. We do not have a contract with your insurance company, only you do.

We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim. We also can not be responsible for any errors in filing your insurance. Once again we file claims as a courtesy to you.

By law your insurance company is required to pay each claim within 30 days of receipt. We file all insurance electronically so your insurance company will receive each claim within days of the treatment. You are responsible for any balance on your account after 30 days, whether insurance has paid or not.

What if your child needs treatment?

If you have dental insurance, we will verify your policy and benefits. However, insurance companies do not always release specific information regarding coverage. Please understand that all insurance policies are different and contain various provisions and limitations. At your child's evaluation appointment, we will provide a written estimate of your out of pocket expense for services that exceed your estimated insurance coverage. We will outline your estimated portion due for each treatment appointment. Please remember that Insurance companies will not release the exact amount they will pay for a procedure until the treatment is completed and the claim is submitted. They will only state the percentage of their fee schedule that they will cover.

Office policy regarding balances

If there is any under payment made by your insurance company the balance is your responsibility. You will receive a statement reflecting the balance, and we ask that you pay your remaining portion within 30 days of the statement date. If you have not paid your balance within 30 days of the statement date, we reserve the right to charge a re-billing fee of $5 that will be added to your account each month until paid. If we have not received payment from your insurance company within 45 days of the service being rendered, you will be responsible for the balance. If your account has been overpaid we will be glad to send a refund to you. Our office reserves the right to stop filing your insurance if at any time there is a problem with your account because of your carrier, or your unwillingness to cooperate.

Facts you should know about Dental Insurance

In an effort to help you understand your insurance policy and maximize your insurance benefits, we would like to share some facts about dental insurance with you.

  • FACT #I - Dental insurance is a contract between you, your employer and the insurance company. We are not a party to that contract.
  • FACT #2 - Dental insurance is NOT meant to cover all fees. It is meant to be an aid to your investment in your child's dental healthcare. Many routine dental services are not covered by dental insurance.
  • FACT #3 - NO INSURANCE PAYS 100% OF ALL PROCEDURES. Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.
  • FACT #4 - Usual, Customary or Reasonable Fees, UCR, a term used by your insurance carrier, is an arbitrary amount which the insurance company chooses to pay for each procedure. It is not based on the average charge of practicing specialist in the area; it is merely the "allowable" amount they will reimburse so they can make a net 20%-30% profit. Our fees are within range of other pediatric dental offices in the area.
  • FACT #5 - Insurance companies will not release the exact amount they will pay for a procedure until the treatment is completed and the claim is submitted. They will only state the percentage of their fee schedule that they will cover.

We will make every effort to assure you receive maximum benefits. We will file your insurance at no charge. In order to provide this service, we ask that you please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment before each appointment.

Please do not hesitate to ask questions about our financial policy. We want you to be comfortable in dealing with these matters. If you have any questions regarding your insurance, we ask that you contact your company regarding the specifics and details of your plan.

Convenient Online Services

With just the simple click of a mouse, our secure online service allows you to:

  • View your appointment and account information any time
  • Sign up for email or text appointment reminders
  • Check your payment history and see current charges
  • Print out flex spending reimbursement and tax receipts

If you do not have a patient log in and would like to begin viewing your account information online and from the comfort of your own home, please click here to sign up for your own personal account.

Resources

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