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Financial/Insurance Policy


 

Our goal at Herrin Pediatric Dentistry is to make the process of receiving quality dental care for your children as smooth as possible, from the time you enter our dental office to the conclusion of the payment process. We have several payment options to meet your budget and needs.

Out of Pocket Payments

We accept cash, debit cards, and most major credit cards (VISA, MasterCard, Discover, American Express).

Patients Without Dental Insurance

At Herrin Pediatric Dentistry, we believe that your children deserve exceptional and affordable dental care… even if you do not have dental insurance. For children without dental insurance, we offer new patient special invitation of first time visitors:

Patients Without Dental Insurance

Patients Without Dental Insurance

Patients With Dental Insurance

Traditional insurance is welcome and accepted at our practice. As a courtesy, we will gladly file all insurance claims on your behalf.

We are contracted with the following Dental insurance plans:

* Ameritas
* Principal
* Reliance Standard
* HealthPlan Services Corp.
* Standard Insurance Company
* Blue Cross Blue Shield
* Cigna PPO
* Delta Dental PPO and Premier
* Dentemax
* Dental Health Alliance (DHA)
* Aetna PPO
* America’s Choice Healthplans
* Assurant Employee Benefits
* Assurant Health
* CBCA Administrators
* DeCare
* Direct Dental Administrators, L.L.C.
* DR Administrative Services, Inc
* HealthSmart Benefit Solutions
* Maxon Administrators
* Nippon Life Insurance Company of America
* NovaNet
* United Group Programs, Inc
* Guardian Life Insurance Company
* MetLife
* United Concordia
* United HealthCare
* Medicaid
* PeachCare for Kids
* Amerigroup
* Peachstate
* Wellcare of Georgia

While we are in-network with most insurance companies, dental insurance generally does not cover all dental expenses. Dental insurance is designed to help reduce your out-of-pocket dental expenses and there will usually be some sort of out-of-pocket expense that you will be expected to pay at the time of service. Reimbursement levels are determined by your insurance provider and generally do not take into account up-to-date regional data in determining the reimbursement level. Additionally, there is no regulation regarding how insurance companies determine reimbursement and insurance companies are not required to disclose how they determine these levels. Insurance companies do not guarantee payment on claims and reserve the right to make payments based on their estimation of “Usual and Customary Rates.”

Being an in-network provider with your particular dental insurance company means that your treatment fees are based on a fee schedule that is generally lower than our standard rates. So, by going to an in-network dentist, you automatically receive a discount on your dental treatment.

In addition to being an in-network provider with your dental insurance company, we will also file your insurance claims, track your claims, follow-up on delayed claims, and help deal with insurance family plans. We want to help you maximize your benefits and will provide digital dental X-rays and a written diagnostic report should your insurance company have any questions about the services provided. We submit claims electronically, allowing for faster and more secure data transmission.

Please provide our staff with your insurance information when you call our office so that we can take over the hassle of dealing with the insurance companies. Also, make sure to bring your identification card and your insurance card to the office when you come in for your visit.

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