Patient Payment Options

Dental Insurance 

It’s important to remember that your insurance coverage is a contract between your employer and your insurance company.  Benefits and coverage vary significantly from plan to plan depending upon what your employer has agreed to with the insurer.  Please keep in mind that insurance is not designed to provide 100% benefit, but rather is meant to ASSIST in the cost of dental care.  To avoid surprises on your bill, it is important to understand what your insurance will cover, and what you will need to cover in some other way.  Dental benefits should not be confused with the dental services you need, which are determined by you and Dr. Bradford.  We participate or are considered “in-network” with Delta Dental, Guardian, CIGNA and Excellus (Prime Only) only. We do not participate with medicare or medicaid.

As a courtesy to our patients, we are happy to submit your claims for services.  In order for us to do this, you must provide us with accurate and up-to-date insurance information.  We will verify your coverage and plan before your appointment.  With this, we will estimate the insurance portion and your co-payment.  This may or may not be what the insurance company will actually pay.  Your plan may base its dollar allowance on a usual and customary fee schedule which may not coincide with current fees in our area.   We’ll do our best to help you receive maximum benefits.   Patients are responsible for all balances incurred after insurance payments.

We will wait 30 days for insurance claims to be paid. After 30 days if payment has not been made, you will be asked to pay the balance and seek reimbursement from your insurance company.

Payment for Services Rendered 

Payment is expected at the time of your services. If you have dental insurance, we will provide an estimate of your co-payment and collect your portion at the time of your appointment. If an overpayment is made, you will receive a refund once all claims are processed. We accept cash, checks, Visa, MasterCard, Discover and American Express. We also offer Care Credit, a healthcare financing program that offers interest-free payment plans upon approval.

A late fee of 15% will be assessed monthly to accounts after 30 days. Any unpaid balance over 90 days will be considered delinquent and turned over to a collection agency. Fees may apply. Returned check fee is $40.00.

Appointment Changes

Your reserved time in our office is important. We understand that sometimes it is necessary to change your appointment so we ask that you kindly give us a minimum of 24 Hours notice. Without this notice, we are unable to offer treatment to other patients that may have needed our care. If a cancellation is less than 24 Hours we reserve the right to charge a $75 fee per hour of the appointment. All future appointments will be cancelled unitll charge is paid.

New Patient Forms

Thank you for choosing our office for your dental needs. Please complete all three forms and bring with you to your scheduled appointment. 

1. New Patient Registration

2. New Patient Medical History

3. New Patient Financial Policy

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