Pediatric dentists Dr. Ralph E. Wyand
Pediatric dentists Dr. Ralph E. Wyand

Office Policies

How are appointments scheduled?
Do I stay with my child during the visit?
Treatment of Minors
Insurance Policy
Payments & Financial Arrangements

How are appointments scheduled?

Our office is committed to trying to accommodate convenient appointment times for our patients. It is our office policy that all appointments scheduled after 3:00pm will be reserved for re-care and brief visits only. This way we are able to accomodate more of our patients. All treatment and longer appointments will be scheduled before 3:00pm.

If you cannot keep an appointment, give our office at least 24 hours advance notice so that we may offer this time to another patient. Our office does not “double book” appointments, so the time you schedule is reserved for you only. It is our office policy to charge a $50 fee for all broken appointments not canceled 24 hours prior to the appointment. On occasion certain circumstances may occur and we reserve the right to wave the fee one time only, after that you will be automatically billed for any broken appointments. Our office makes every effort to confirm all scheduled appointments.

Do I stay with my child during the visit?

We invite you to stay with your child during the initial examination. During future appointments, we suggest you allow your child to accompany our staff through the dental experience. We can usually establish a closer rapport with your child when you are not present. Our purpose is to gain your child's confidence and overcome apprehension. However, if you choose, you are more than welcome to accompany your child to the treatment room. For the safety and privacy of all patients, other children who are not being treated should remain in the reception room with a supervising adult.

Treatment of Minors

In regards to treatment of a minor child, a divorced parent or legal guardian who accompanies the child to the appointment and gives permission for treatment will be responsible for payment of the bill even if another parent/guardian has been determined financially responsible for the minor child.

Insurance Policy

As a courtesy to our patients, our office will submit all insurance claims. We do ask that all co-payments /deductibles be made on the day of visit. Please remember that your insurance is between you and your insurance company, we are not a party to the contract. All of our patients are charged the same fees and we do not adjust our fee’s to meet the requirements of an insurance fee schedule.

Fact 1 - NO INSURANCE PAYS 100% OF ALL PROCEDURES
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage, or the type of contract your employer has set up with the insurance company.

Fact 2 - BENEFITS ARE NOT DETERMINED BY OUR OFFICE
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable, or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.

Insurance companies set their own schedules, and each company uses a different set of fees they consider allowable. These allowable fees may vary widely, because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently, this data can be three to five years old and these "allowable" fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, insurance companies imply that your dentist is "overcharging", rather than say that they are "underpaying", or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.

Fact 3 - DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.

MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.

Payments & Financial Arrangements

We ask that all uncovered procedures be paid in full at the time service is rendered, unless prior financial arrangements have been made. Before any treatment is started you will be given a fee estimate of recommended treatment. Our office does offer a monthly payment plan or we can help you apply for a 6-12 month interest free loan through Care Credit. Our office also accepts checks, money orders, Visa/MC, Discover and American Express. We do charge a $25.00 fee for all checks returned insufficient funds. For accounts not paid or the financial not met according to the agreement may be subject to late charges or a collection fee if account is referred for collection.

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