Facts About Your Dental Insurance Policy

We are pleased that you have selected our office to provide dental care for your child. We will always provide you with our best. Dr. Milnes or Dr. Farquhar will examine your child and diagnose the condition of your child’s mouth to determine his/her treatment needs.  A treatment plan will be developed and discussed in detail with you before any treatment is scheduled or provided.  Wherever possible we will discuss treatment alternatives with you. Our goal is to provide treatment that meets your child’s needs. Our staff will prepare a financial estimate based on the treatment plan we discuss with you.

Occasionally, parents are not sure what coverage their insurance plan offers to them. Our administrative staff do not know what your specific plan covers. We encourage you to learn more about your insurance coverage. Consult your plan's guide or call your insurance company directly. 

This page contains information that will help you understand your benefits as they relate to your child’s treatment.

1. Dental benefits are changing. Some insurers are reducing coverage to limit their liability to you.
2. Insurance companies do not inform our office of changes in your policy.
3. Benefit coverage is a contract between yourself, the insurance company and your employer.
4. You are responsible for paying your dental bill for treatment provided by our office.
5. Your insurance plan will reimburse you based on your policy.
6. Dental benefits usually do not cover 100% of your dental costs.
7. Coverage, in some cases, is being reduced drastically by insurance companies as a cost cutting measure. Unfortunately, this may mean that necessary treatments are no longer covered by your plan.
8. Some companies offer 100% coverage based on old and out-of-date fee schedules.  We operate in the present which means we must charge current and up-to-date fees.
9. Our fees are based on our specialty training in pediatric dentistry, knowledge, clinical expertise, quality of care and materials.

We will always prepare a pre-determination for you which will allow your insurance company to confirm your coverage and provide an estimate of benefits to which you are entitled. If you have any questions about your pre-determination or payments you think you should have received from your insurance company call them directly to discuss your concerns.