Insurance


Terre Haute Endodontics P.C.

Patricia Humphrey Clark D.D.S., M.S.D.

221 S. 19th St.

Terre Haute IN 47807

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Dental Insurance

Table of Contents:

1.  Our Philosophy

2.  Endodontic Insurance Coverage

3.  Endodontics and Dental Insurance

4.  Fees and Co-Payments

5.  Predetermination Policies

1.  Our Philosophy

Our office is dedicated to providing the highest quality of care possible for every patient, regardless of insurance coverage.  We will work closely with you to achieve that goal.  We pride ourselves in helping you make your endodontic treatment positive and pleasant and hope that you will let us know how we can achieve this very important goal.

Dental insurance can be very complex.  There are many types of insurance plans, all with different types of coverage.  This makes it extremely difficult for many patients to fully understand the benefits to which they are entitled.  (Top of Page)

2.  Endodontic Insurance Coverage

Dental insurance is provided through a contract between your employer and a dental insurance company.  The terms of your coverage are negotiated between these two organizations, and your specific policy is based entirely on their agreements.

Endodontic offices are not involved in determining which dental services are included, the percentage of the fees covered, or whether a specific service is covered at all.

 Not all dental treatment is covered by dental insurance.  Some endodontic services are completely excluded.  While we want to provide you with the highest possible quality of care, your dental insurance may cover only very basic services.  The specific services covered are based on the cost of the insurance policy to your employer and the amount the insurance company is willing to pay.   (Top of Page)

3.  Endodontics and Dental Insurance

Although endodontics offers superior treatment results, dental insurance places a limit on how much it will pay toward the endodontic fee.  Because insurance companies have an annual maximum benefit, coverage of your root canal therapy will be covered according to your specific plan and only up to your annual maximum.

Once your annual maximum has been reached, the insurance company will not provide additional benefits for any dental service until the renewal period. 

Do keep in mind, however, that it is important to keep your long-term oral health and comfort as your primary goal.  (Top of Page)

4.  Fees and Co-Payments

Each endodontic case is different; fees vary accordingly.  Once an examination and consultation is completed, we will be able to tell you the fee and an estimate of how much your dental insurance will cover.  Because dental insurance covers only part of the root canal fee, each patient is responsible for paying the remaining balance.  This co-payment is the responsibility of each patient and is due when the endodontic treatment is completed.   We offer several financial options so you can choose the one that best suits you.  (Top of Page)

5.  Predetermination Policies

A predetermination is a submission sent to the insurance company prior to treatment to determine how much they will pay toward your root canal.  However, because our office is aware that your coverage will be limited and predetermination may take several weeks, we do not advise waiting for a response from your insurance company before beginning your root canal procedure.  (Top of Page)

 

Send mail to Rick.Clark@Ao-Denkou-Kai.org with questions or comments about this web site.
Copyright 2004 Terre Haute Endodontics
Last modified: 05/30/07