Helpful Facts about Insuance & Payment from Your Rancho Cucamonga & Hesperia Family Dentist

Insurance and Payment Options

 

Insurance

 

We accept most dental insurance plans and will file claims electronically on  your behalf, saving you the time and hassle. Our treatment coordinator will inform you upfront what your insurance plan will cover and pay for your dental treatment, then she will explore the available options for taking care of any remaining balance.

 

Insurance Providers

 

We accept and honor most dental insurance plans including, but not limited to the following providers:

 

  • Aetna
  • Ameritas
  • Anthem Blue Cross
  • Cigna
  • Delta
  • Guardian
  • MetLife
  • PacifiCare
  • UCCI
  • UFCW

 

Please call or email our office for more details at: (760) 947 7777 or f.dentistry@yahoo.com

 

INSURANCE FAQ

 

What’s a Covered Benefit?

Treatment that is recommended by your dentist, is listed on the fee schedule, and accepted under the terms of your insurance group’s plan.

 

What’s optional treatement?

Treatment that is either not listed on your fee schedule or more than the minimum needs to be done to recover and restore the tooth back to its original functionalities.

 

What’s the Difference Between Indemnity, P.P.O, H.M.O, & Discount Insurance Plans?

Indemnity or Traditional Insurance reimburses members or dentists at the dentist’s UCR (Usual, Customary & Reasonable fee). This allows the subscriber to choose any dentist or dental office without being limited to any insurance panel.

 

  • P.P.O
  • H.M.O
  • CareCredit
  • LendingClub
  • Rethink your Dental Health
  • Healthy Families
  • Avesis
  • Medi-Cal

 

(Preferred Provider Organization) is the most common form of insurance plans. They provide members with a list of participating dentists or dental offices to choose from. The dentists on this list have agreed to a lower fee schedule, which provides you with greater cost savings. They also assist their patients with insurance billing. Most companies pay up to 50% on major treatment (crowns, bridges, partials), up to 80% for basic care (fillings), and up to 100% for preventative care (exams, x-rays, basic cleanings). Annual maximums generally range from $1,000 to $2,000 for different plan and insurance companies.

 

 

Health Maintenance Organization assigns the patients to a group of dentists and are designed to provide members with basic care at the lowest rate. Participating providers receive a monthly capitation check for the patients assigned to their offices. This amount is only a few dollars and is intended to offset the administrative costs. HMOs generally don’t pay for dental services rendered. Fees are usually greatly reduced, but the patient is solely responsible for paying the doctor. Patients benefit from the reduced fees.

 

CareCredit

 

CareCredit, from Synchrony Financial, is one of the largest and most popular health, wellness and beauty cred cards in the nation, serving millions of families each year. This card helps people receive the necessary healthcare needed, with more than 175,000 health care providers. Patients have the ability to use their healthcare credit card as a payment option for certain expenses that may not be covered by their personal insurance, or used to finish costs that aren't fully covered.

 

For almost 30 years, CareCredit has been providing a valuable financial option for treatments and procedures that aren't typically covered by insurance. It's also used by cardholders to pay deductibles and co-payments. This can apply for one individual patient or for a family member of the patient. Having these financial options allow patients to make decisions about their treatment options that best suit them. 

 

Please visit www.carecredit.com for more information.

 

LendingClub

 

Lending Club uses technology to operate a credit marketplace at a lower cost than traditional bank loan programs, passing the savings on to borrowers in the form of lower rates and to investors in the form of solid returns. Borrowers who used a personal loan via Lending Club to consolidate debt or pay off high-interest credit cards report in a survey that the interest rate on their loan was an average of 33% lower than they were paying on their outstanding debt or credit cards.

 

By providing borrowers with better rates, and investors with attractive, risk-adjusted returns, Lending Club has earned among the highest satisfaction ratings in the financial services industry.
 
Check out www.lendingclub.com for more information.

 


Rethink Your Dental Health

 

We are offering the following in house plans to cover your dental cleaning and checkups up to 3 years. The plans cover necessary x-rays and routine cleanings, the periodontal procedures are not covered with this plan.

 

 Years

2 Years Plan

3 Years Plan

Costs

$535

$799

Exam

4X

6X

Cleanings

4X

6X

Digital X-Rays

Yes

Yes

Home Teeth

No

Yes

 

Please call our office @ (760) 947 7777, if you have more questions and we will be happy to assist you.

 

Avesis

 

Avesis is partnered with Health Plans and Managed Care Organizations in helping to make a difference in communities throughout the country. With the number of Medicaid and Medicare participants increasing each year, Avesis offers the help for accessible health care and available options to different communities.

 

 

Medi-Cal

 

Medi-Cal is California’s Medicaid health care program. This program pays for some of dental services for children and adults with limited income and resources. Medi-Cal is supported by federal and state taxes.

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