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OUr Finanical Policy and Insurance

Emergency Single Visit Payment Policy

For single-visit procedures, our policy is that payment is due in full at the time of service. For your convenience we accept cash, checks, money orders, and credit card payment (MasterCard, Visa, and Discover).

Multiple Visit Payment Options

Full Payment at Time of Service

5% fee reduction for payment before treatment is rendered.

Selection of this option gives you the maximum savings on the cost of your treatment plan because the billing expenses we save are passed on to you in the form of a 5% discount. Your Treatment Coordinator will provide you with specific details.

Open Account Payment Plans

Treatment fees divided into two or three equal payments.

For individuals desiring a more flexible payment plan, the open account plan may be the best choice. This plan allows for three equal payments to be paid out over a period of three months. The first payment of one-third is due at the time of treatment, the second payment is due one month after treatment, and the third and final payment is due two months after treatment.

Outside Financing

For those who would prefer an extended payment plan.

For your convenience, payments may be made with cash, personal check, and bank draft, Discover, Visa, or MasterCard. If you have any problems or questions, please ask our staff. They are well informed and up-to-date. They can be reached by phone at MK Periodontics & Implant Dentistry, PC in Nutley NJ Phone Number 973-798-2639 or by fax at 973-798-2640. Our office location is 184 Centre Street. Please call if you have any questions or concerns regarding your initial visit.

Insurance Information

Our insurance coordinators deal with many different insurance companies. Some companies offer many different dental and medical plans. These companies can change benefits, co-pays, and deductibles many times throughout the year.

We do our best to provide you with accurate coverage estimates based on information available to us. At times, it is almost impossible to accurately estimate a patient’s insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. Dealing with these companies can be difficult and time consuming.

As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you and your insurance is current.

Although we will gladly file a claim on your behalf, you may wish to submit the claim yourself. In general, insurers process claims filed directly by patients faster than those filed by the service providers (dental offices). Further, most dental insurance policies are limited and often only pay for a portion of the procedure(s) that may need to be done.

CO-PAYMENT

The majority of dental plans reimburse approximately 30-80% of treatment costs. With this in mind, we ask that 20% of the fee be paid at the time of treatment.

MEDICARE

Medicare pays us directly for your care. You are responsible for any deductible and co-insurance. Dental procedures such as root planing and implants, are not covered by Medicare. If Medicare denies your procedure, you are responsible for the charges.

HMO PATIENTS

If a patient comes to us with a problem that they expect to be covered by medical insurance (biopsies, tumors, TMJ, infections), they must have a referral from their primary care physician. A referral from a dentist is not adequate for medical insurance coverage.

Obtaining a medical referral is the patient’s responsibility. We cannot obtain the referral for you and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.

PRIVATE & GROUP INSURANCE

As a courtesy to our patients with medical and/or dental benefit plans, we will submit necessary claim forms, receipts, and other information to your insurance company.

Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.

We can't wait to give you a healthier smile.

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