Financing and Insurance
For Draper Dentist Dr. Faddis
Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is administered. Charges are payable at the time of treatment unless arrangements have been made.
Please ask a member of our staff, and we will review our payment options to accommodate your financial needs. We offer no interest or low interest payment plans through CARECREDIT.
Patients with Dental Insurance
If special arrangements are needed, please talk to our office manager prior to receiving service. Additionally, we will submit all insurance claims for you. We will fully attempt to help you receive full insurance benefits; however, you are personally responsible for your account, and we encourage you to contact us if your policy has not paid within 30 days.
We are pleased that you have a dental co-payment insurance policy. We will do everything we can to help you maximize your benefits on a yearly basis. We ask you to keep several important facts in mind:
- The amount a dental insurance plan pays is determined by how much the employer paid for the plan.
- Considering fee schedule allowances, annual maximum or limitations, it is realistic to expect dental insurance to cover 35 to 50% of major services.
- Dental insurance companies do not cover many routine dental services.
More About Dental Insurance
You have a maximum coverage per year of $500, $750, $1000 or $1500. When dental co-payment plans began in 1970 they allowed the same amount of maximum payment per year as allowed today. In other words, reflecting for a 6% per year inflation, your $1000 annual benefit is equal to $290.00 in today’s dollars. Had the various dental insurance companies increased their benefit on a year-by-year basis reflecting increases for inflation, this year your benefit would be $3207.14 per year.
We ask that you understand that we neither work for the insurance companies, nor do we wish to. We work 100% for you. We want to help you maximize your benefits, but also we do not want to compromise your dental health by letting your dental insurance control your treatment options. You may receive a notification from your insurance company stating that dental fees are “higher than usual and customary”. Insurance companies survey a geographic area, calculate an average fee, take 80% of that fee and consider that to be customary.
Included in this survey are discount dental clinics and managed care facilities, which bring down the average. Because Dr. Faddis practices comprehensive dentistry utilizing high quality materials and laboratory products, our fees may be higher than “usual and customary”.