Insurance for Dental Procedures in Durham
WE ACCEPT ALL PRIVATE DENTAL INSURANCES!
We are an out-of-network provider for commercial/private dental insurances. This means that we will submit your dental insurance claim as a courtesy and collect your co-pay , if any, for services provided.
Patients are ultimately responsible for payment of all rendered services, no matter what the insurance coverage may be. Remember; your dental insurance is a contractual agreement between you and your insurance company. For detailed information about insurance coverage for dental services, contact your insurance company directly to the number on the back of your card. Call our office and we’ll help you in any way we can. For privacy reasons some insurances do not disclose that information to anyone but the patient directly.
Frequently Asked Questions About Insurance or Payments
Being “in-network” means that a dentist or dental office has a contract with an insurance company. In that contract, the insurance company sets the terms, fees and it will allow for certain dental procedures and how much it will pay or not pay for. This opens the door to a compromise in quality of care.
When you choose an in-network dentist, you may receive certain financial benefits depending on your dental plan. However, you are also limited to choosing from the dentists that have been contracted by that insurance company.
For some dental offices that prefer to see a large number of people every day, being in-network helps bring in a higher number (high flow) of patients from the insurance company. In exchange, the dentist agrees to follow the insurance company’s fees, rules, and restrictions they chose to impose.
Many private dentists choose to work out-of-network because they prefer not to be limited by insurance contracts terms, requirements and coverage restrictions. This allows out-of-network dentists to spend more time with each patient, recommend treatment based on the patient’s health, and provide a more personalized experience.
In other words, an out-of-network dentist is not hindered with restrains and does not depend on the insurance company thus able to provide higher quality of care.
Will I have to file my own insurance claims at an out-of-network dentist? No. This is another big myth that some new patients come in with. As with most things dental insurance companies do, filing is a complicated process. In our office, we have a member of our team who does it all day. She knows the lingo and how to get it done efficiently and correctly. When you come in as a new patient, we’ll take a look at your insurance, explain your benefits and, after your appointment, file your insurance for you.
Medicare: If you have medicare and you have been issued a dental insurance card, we may be able file claims for you. Please contact our office for more info.
Medicaid: We do not accept medicaid insurance at the present time.
FSA/HSA Accounts: We accept this form of payment if the card has a Visa/Mastercard logo and can be processed as such.
Affirm y Klarna: We offer payment plans through Affirm y Klarna
Payment Forms: We accept all major credit cards, checks and secure electronic payments such as Apple Pay™.
Video: Insurance and Dental Services
If you have any questions regarding your account, please contact us at our Durham office: H&L Dentistry Phone Number (919) 213-0505. Many times, a simple telephone call will clear misunderstandings.
