Office Info

Girls smilingHow are appointments scheduled?
Do I stay with my child during the visit?
What about finances?
Our Office Policy Regarding Dental Insurance

How are appointments scheduled?

The office attempts to schedule appointments at your convenience and when time is available. Preschool children should be seen in the morning because they are fresher and we can work more slowly with them for their comfort. School children with a lot of work to be done should be seen in the morning for the same reason. Dental appointments are an excused absence. Missing school can be kept to a minimum when regular dental care is continued.

Since appointed times are reserved exclusively for each patient we ask that you please notify our office 24 hours in advance of your scheduled appointment time if you are unable to keep your appointment. Another patient, who needs our care, could be scheduled if we have sufficient time to notify them. We realize that unexpected things can happen, but we ask for your assistance in this regard.

Do I stay with my child during the visit?

We invite you to stay with your child during the initial examination. During future appointments, we suggest you allow your child to accompany our staff through the dental experience. We can usually establish a closer rapport with your child when you are not present. Our purpose is to gain your child's confidence and overcome apprehension. However, if you choose, you are more than welcome to accompany your child to the treatment room. For the safety and privacy of all patients, other children who are not being treated should remain in the reception room with a supervising adult.

What about finances?

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, personal checks, debit cards and most major credit cards.

Our Office Policy Regarding Dental Insurance

"Don't be fooled." The difference between Kiddsmiles and most other pediatric specialists is that we are “in network” with most insurance plans (a list of all plans Kiddsmiles participates with is provided here).

The meaning of an “in network” provider is that Kiddsmiles is contracted with your insurance plan to only charge the fee's that have been agreed upon by Kiddsmiles and your insurance carrier. The only charges you will be responsible for is your deductible and your copays, which have been determined by your insurance carrier and/or employer, as well as any services that your insurance carrier may not cover. However, when going to an “out of network” or “non-participating” provider you will be paying the providers own office fees, which is not regulated by your insurance carrier and in most cases substantially higher than the regulated fees.

Many other Pediatric dentists will tell you they will accept your insurance towards payment. Don’t be misled. This simply means they will take what your insurance company pays to an “out of network” provider, but you will still be responsible for their regular fees.

By understanding how your insurance works makes your experience to your child’s dental visit easier. You do not need to fill out any paperwork nor do you need to spend any unnecessary lengthy phone calls with your insurance carrier. Our highly trained insurance staff takes care of all of that for you.

Kiddsmiles always sends a pre-approval for any dental treatment that your child may need to have prior to the treatment. When your insurance carrier receives the pre-approval, they send it back to Kiddsmiles stating what your “co-pay” is for every procedure which helps us keep your “out of pocket” expense to a minimum. Please also be aware that no insurance carrier will ever give a 100% guaranteed for payment until the services have been completed and the insurance carrier receives the claim. This is not Kiddsmiles' policy; it is your insurance carrier’s policy.

If you have any questions regarding your plan at any time during your visits our receptionists and insurance coordinators are more than happy to explain your individual plan to you.

If we have received all of your insurance information on the day of the appointment, 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. 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. If you have not paid your balance within 60 days a re-billing fee of 1.5% will be added to your account each month until paid. We will be glad to send a refund to you if your insurance pays us.

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, personal checks, debit cards and most major credit cards.

Fact 1 - 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 2 - BENEFITS ARE NOT DETERMINED BY OUR OFFICE
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules and each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently this data can be three to five years old and these "allowable" fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.

Fact 3 - DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.

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