AFFORDABILITY - NIAGARA DENTAL IMPLANT & ORAL SURGERY

Financial Information

FINANCIAL OPTIONS

  • Initial patient responsibility is due at the time of service through Care Credit.
  • For Qualified Applicants we have 6 Month 0% Interest Options

  • Initial patient responsibility is due at the time of service through LendingClub Financing.
  • For Qualified Applicants we have 6 Month 0% Interest Options

  • Payment may be made by cash, check, Visa, AMEX, MasterCard or Discover.
  • If the balance is paid by cash or check at the time of service, you will be eligible for a 5% discount.
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  • Initial balance of patient responsibility may be paid by cash, check, Visa, MasterCard or Discover at time of service.

**Dental benefit patients please note: As described in our Financial Agreement, the total fee charged is your obligation. Quotation of benefits to us by your Dental Benefit Plan is not a guarantee of payment by your Dental Benefit Plan. Once your Dental Benefit Plan has paid, any difference is due and payable by you. If your Dental Benefit Plan has not paid within 45 days following a claim, the entire balance is due and payable at that time.

Office Finance Policies

We, the staff of Niagara Dental Implant & Oral Surgery, thank you for choosing us as your dental/health provider. We consider it a privilege to serve your needs and we look forward to doing so. We are committed to provide you with the highest level of care and to build a successful provider-patient relationship with you and your family. We believe your understanding of our patients’ financial responsibility is vital to the provider-patient relationship and our goal is to not only inform you of the provisional aspects of that financial policy but also to keep the lines of communication open regarding them. We believe this level of communication and cooperation will allow us to continue to provide quality service to all of our valued patients.

Please understand that payment for services is an important part of the provider-patient relationship. If you do not have a dental benefit plan or participate in a plan that will not honor an assignment of dental benefits, payment for services will be due at the time of serviceDr. Nigalye or Dr. Bryan and his staff are committed to providing excellent care and guide patients in choosing the best payment option for their individual needs. We make payment as convenient as possible by accepting cash, check, Visa, MasterCard, Discover, Amex and CareCredit. A service fee will be assessed for all returned checks.

Achieving a high quality result is our most important consideration for our patients. Please remember that your dental benefit plan is a contract between you and your dental carrier. We will as a courtesy, bill your dental benefit plan and help you receive the maximum allowable benefit under your policy. This may include us billing your medical and dental benefit plans. It is your responsibility to provide us with all necessary benefit eligibility, identification, authorization and referral information and to notify our office of any changes when/if they occur. It is the patients responsibility to know if our office is participating or non-participating with their benefit plan. Failure to provide all required information may necessitate patient payment for all charges. When benefits are involved, we are contractually obligated to collect co-payments, co-insurance, and deductibles, as outlined by your benefit carrier.

Please be aware that out-of-network benefit carriers often prohibit assignment of benefits and may try to limit their financial liability with arbitrary limits, exclusions, or reductions such as reasonable and customary or usual and prevailing reductions. Our fees are well within such ranges and although we will assist in the filing of an appeal if these limitations are imposed, you as the guarantor are responsible for all out-of-network fees. If we are not contracted with your carrier we will not negotiate reduced fees with your carrier.

Our office will do everything possible to help you understand and make the most of your benefits. Please remember that you are ultimately responsible for all expenses incurred. Once we receive payment from your dental/medical benefit plan, we will notify you by mail if there is a balance. After your dental/medical benefit plan has paid its portion, a statement is sent to the mailing address on record , for the remaining balance. Payment is expected within 10 business days of the statement date. On or around the 10th business day an attempt will be made to reach you by phone and if no contact is made, the credit card on file will be charged the remaining balance. For patients that are unwilling to keep credit card authorization on file with our office the total estimated fee through the dental benefit plan is due at the time of service. Balances older than sixty days may be subject to late charges, collection fees and/or reasonable attorney fees and costs. If you have any questions regarding the above information, please do not hesitate to ask us.

You assign any dental benefits to which you may be entitled to Niagara Dental Implant & Oral Surgery. If there is a denial of coverage by your dental benefit plan, you designate Niagara Dental Implant & Oral Surgery or its representative to appeal or otherwise pursue coverage, and/or communicate directly with your dental benefit plan regarding coverage, on their behalf and yours.

Medical/Dental Benefit Plan Information

Benefit Plan Options- Williamsville & Niagara Falls NY

At Niagara Dental Implant and Oral Surgery we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this we work hand-in-hand with you to maximize your benefit plan reimbursement for covered procedures. We wish we could participate with every medical/dental benefit plan however only a few allow us to provide the high quality care that you deserve. If you have any problems or questions, please ask our staff. They are well informed and up-to-date. 

Please call if you have any questions or concerns regarding your initial visit.

Please bring your medical/dental benefit information with you to the evaluation so that we can maximize reimbursement for you.

Benefit Plans that we participate with:

  • Ameritas Dental *Select Plans
  • Assurant *Select Plans
  • BCBS Dental *Select Plans
  • Cigna PPO
  • Connection Dental Network
  • Delta Dental PPO
  • Dentaquest (age 21 and under only)
  • Dentemax Network
  • GEHA
  • Guardian through Dentemax Network
  • Healthplex *Select Plans (age 21 and under only)
  • Lifetime Benefit Solutions *Teamsters only
  • United Concordia
  • United Healthcare *Select Plans (no managed care plans)
  • Univera* Select Plans

Why Isn’t My Benefit Plan listed?

While we do work with every dental benefit plan, and we work very hard to get the benefits our patients deserve, there are only a few which we are “in network” with.  We have made a commitment to you- the patient.  Our commitment is to treat each patient fairly and not compromise care based on dental benefit reimbursement.

Dental benefit plans are quite different than Medical insurance.  Medical insurance has high premiums to cover thousands of different treatments and procedures while Dental plans have significantly lower premiums to supplement the twice-a-year cleanings and exams as well as the handful of fillings and extractions, crowns and bridges, etc.  Dental benefits have an average cap of $1000 per year while Medical insurance does not. Dental benefits almost always get used right up to the max every year. This is typically not the case when it comes to Medical insurance and pretty much all other insurances.

Insurance companies profit off of a percentage of people not using their insurance.  With dental benefits there is a limited profit margin for the insurance companies since the premiums are so low.  Therefore, they then limit the dental benefits they provide which makes the “premium vs. benefits” they pay out a close wash.

If a dental plan in any way limits your choices , or forces us to cut corners, you will not see them on our list of participating plans.  Simply put, we do not and will not cut corners.  We here at Niagara Dental Implant & Oral Surgery are sure that you understand this firm stance we have taken to optimize your care.  To find out how you can make world class dental care affordable, please call our office and speak to any of our knowledgeable team members. 

Meet your dedicated team today.

Request your consultation today.

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