At Oral and Maxillofacial Surgical Consultants, we make every effort to provide you with the finest surgical care and the most convenient financial options. To accomplish this, we will work with you to maximize your insurance reimbursement for covered procedures and find a payment option that works best for you.
It is the responsibility of the patient or the patients responsible party for all charges incurred regardless of insurance coverage.
We offer the flexibility of cash, check, VISA, MasterCard and Discover. We can also help you obtain a line of credit with HealthCare Creditline.
If you are covered by insurance, you are expected to pay an estimated portion of your co-pay. This initial payment is due on the day of your surgery.
If there is no insurance coverage for your surgery, payment in full is expected on the day of your surgery. We will help you with financial arrangements if needed.
As a courtesy, we will file your insurance claims for you, provided that you have supplied us with complete and accurate information.
Depending on your surgery, and your specific insurance plan, your surgery may be covered by both medical and dental, covered by only medical, covered only by dental, or not covered at all. Because of this, we ask that you call your insurance company prior to your surgery to verify your coverage. We will assist you in coordinating benefits.
If you have more than one insurance, we will first file the primary insurance and once consideration has been made we will then file the secondary insurance.
If we do not receive payment from your insurance company within 60 days after surgery, you may be billed directly for the full free. To ensure prompt payment, we encourage you to check the status of your claim with your insurance company.
Please remember that insurance is a contract between you, your employer and the insurance company. You are fully responsible for all fees charged regardless of your insurance coverage.
An estimate of the charge for your surgery will be given to you upon request. A current x-ray is necessary for us to give you a complete estimate. Allow 4-6 weeks for your insurance company to process your pre-determination.
If services provided are considered under your medical insurance, (biopsies, cysts, TMJ, infections, jaw deformities) and you are a member of an HMO, you must have a referral from your primary care physician. A referral from a dentist is not adequate for medical insurance coverage. Obtaining a medical referral is the patients responsibility. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, your medical insurance company may not pay for your treatment, or you may utilize your out-of-network benefits.
Medicare pays us directly for your care. You are responsible for any deductible and co-insurance. Medicare does not cover dental procedures (extractions, implants). If Medicare denies your procedure, you are responsible for the charges.
You will receive a statement from us monthly regardless of your insurance coverage. Most insurance companies will respond within six to eight weeks (if you have more than one insurance plan this process will take longer). Any remaining balance after your insurance has paid is your responsibility. Your prompt payment is appreciated.
If you are unable to make full payment of the patient balance when due, periodic, partial payments may be approved in accordance with credit and collection procedures, as authorized by our financial coordinator. A 1.5% finance charge (18% annually) will be added to any balance over 90 days.
Overpayments will be refunded to the appropriate party, normally the insurance company or guarantor. Patient refunds will not be processed until all active or past due accounts are paid in full. Refunds less than $5.00 will not be issued unless specifically requested.
Accounts that cannot be collected after normal in-house collection procedures may be referred to a collection agency for further collection action. You will be responsible for all collection costs, attorney fees and court costs.