Rosati Dental accepts many forms of payment. You can pay for your office visits and any treatments by cash, check, credit(Visa, MasterCard or Discover) or debit card at the time of treatment. We participate in a wide variety of dental insurance plans and would be delighted to file your claim as a complimentary service to our patients. To discuss your payment options or dental insurance coverage, please call our knowledgeable staff at (724) 981-0521. Your dental health is very important to your overall health so, please don't let money worries keep you from getting your much needed dental treatment. For your convenience, we are pleased to accept patient financing through CareCredit. Please inquire for more information or click on the link provided. www.carecredit.com
Rosati Dental files dental insurance as a complimentary service for our patients. IT IS THE PATIENT'S RESPONSIBILITY TO KNOW THEIR INSURANCE INFORMATION SUCH AS YEARLY MAXIMUM, ANNIVERSARY DATE AND BENEFITS PACKAGE. Simply provide us with up to date dental insurance information at each visit and we will file your insurance claims and provide follow up information to any rejected claims to maximize your dental insurance benefit. However, after 60 days the patient is responsible for any balance on their account.
Our insurance coordinators, Maurita or Tammy, will be more than happy to assist you in understanding the limitations of your dental insurance plan and obtaining an estimate of benefits.
PLEASE UNDERSTAND that we do not have a contract with your insurance company, only YOU do. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We cannot be responsible for any errors in filing your insurance; once again we file claims as a courtesy to you.
Q & A:
Q: Why is there an annual maximum on my benefits?
A: Maximums limit what a carrier has to cover each year. Amazingly, despite the fact that costs have steadily increased, annual maximum levels for dental care have changed very little since the 1960's.
Q: Why do some plans require me to select a dentist from a list?
A: Usually the dentists on the list have agreed to a contract with the benefit plan. These contracts have restrictions and requirements. Some dentists are not comfortable with these restrictions and requirements and therefore do not participate in these types of contract plans. Although we may not be on your provider list, we will be happy to file your insurance claim as a courtesy.
Q: What should I do if my insurance doesn't pay for treatment I think should be covered?
A: Because you're insurance coverage is between you, your employer, and the insurance carrier, Rosati Dental, does not have the power to make your plan pay. If your insurance doesn't pay, you are responsible for the total cost of treatment. Sometimes a plan may pay if patients send in the claims for themselves. The employee Benefits coordinator at your place of employment also may be able to help. Consumers (patients) may also lodge complaints with the State Insurance Commission. MOST IMPORTANTLY, please keep Rosati Dental informed of any dental insurance changes such as policy name, insurance company address, or a change of employment by calling (724) 981-0521 or faxing a copy of your dental insurance card to (724)981-9790.
DENTAL INSURANCE FACTS:
FACT #1- NO INSURANCE PAYS 100% OF ALL PROCEDURE.
Dental insurance is meant to be an aid in receiving dental care. Many patients think their insurance pays 90-100% of all dental fees. THIS IS NOT TRUE! Most plans only pay between 50-80% 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 contact your employer has set up with the insurance company.
FACT #2- BENEFITS ARE NOT DETERMINED BY OUR OFFICE
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 exceeds the usual, customary, or reasonable )"UCR") used by the company. A statement such as this gives 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 certain services. This can be very misleading and simply is NOT accurate. Insurance companies set their own schedules and each company uses a different set of fees they consider "reasonable."