Insurance Options: We accept all private dental insurance plans. We are unable to accept Medicare or state-funded DSHS. We will work with your insurance provider to maximize your insurance benefits.
Payment Options: Financial options are discussed during the consult visit. Dr. Larson and his staff are committed to providing excellent dental care and guide patients in choosing the best payment option for their individual needs. For fees not covered by your insurance, we accept:
- most credit cards
- Lending Club Patient Solutions (www.lendingclub.com)
- Dental Banc
- Care Credit (www.carecredit.com)
About Your Dental Insurance:
Filing your insurance claim:
PLEASE UNDERSTAND that we file dental insurance as a courtesy to our patients. We do not have a contract with each insurance company, only the patient does. We are not responsible for how your insurance companies handle claims or for what benefits they pay on a claim. We can only assist in estimating the portion they will cover. We at no time, guarantee what insurance will or will not do with each claim. Once again, we file claims as a courtesy to our patients, and will make every effort to help our patients through this process. Please be sure to keep us informed of any changes in your insurance coverage. Many dental insurance companies issue checks directly to the patient, and refuse to issue payments to a doctor who is not contracted with them. In this case, we will collect the full treatment fee from the patient. We will still submit claims to your insurance company as a courtesy to you, and your insurance provider will then mail any and all payments to you as a reimbursement.
Things you should know:
▪ DENTAL INSURANCE DOES NOT PAY 100% OFF 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 30%-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.
▪YOUR DENTAL INSURANCE HAS A YEARLY CAP ON WHAT THEY WILL PAY In addition to that, your dental insurance only pays up to a certain amount each year. It is typical for patients to have a yearly maximum of $1000-$2000. Some pay more, while others pay less. Once you have reached that limit, they will discontinue paying for claims for the remainder of the year.
▪INSURANCE COMPANIES SET THEIR OWN FEE SCHEDULES 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 fee 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. Dental insurance providers use the same fee schedule for all dentists, although all dentist are not the same. Your dentist referred you to us for specialty care. We cannot accept the same fees as general dentists.
Why we have chosen not to be contracted with insurance companies:
We have always maintained a high standard of care for our patients, and are unwilling to compromise or cut corners just because of insurance company shortcomings. We have always avoided using cheap materials, overseas laboratories, and outdated technologies when treating our patients. Dental insurance companies continue to add more and more restrictions on what they will allow for their subscribers, while denying services which are clinically necessary. We do not think it is right for your health that your insurance company dictate what type of care is best for you, when their end game essentially is to save themselves money. Dental insurance companies give the impression that they value your health, but the truth is that they only care about making money off of you. Therefore, rather than lowering our standards of care, we have chosen not to be a contracted/preferred provider with any insurance company.