Financial Arrangements

We are committed to give you the best quality care. We understand in today’s changing economy, patients need help from their insurance plan to help pay the bill. We expertly prepare and submit your insurance claims for you so you will receive your maximum allowable benefits. We follow up with the insurance company if necessary. There is never an additional fee for this service to you. We ask that you bring in your insurance card and all pertinent information to help file the claim for you. If needed, Dr. Hurley will accept assignment from your insurance company so patients can receive care. Patients will still be responsible for any portion that the insurance company does not pay. At the initial visit, the patient will be informed of his or her copay, which is due at that visit.

We listen to you about your needs and the circumstances that may impact your treatment decisions. Many times we are able to do phased treatment which will help you obtain the necessary dentistry in a timely manner.

PAYMENT ARRANGEMENTS

In order for us to give you the best care possible, we ask that you pay us at time of service. If assignment of benefits is assigned to Dr. Hurley, then the copay is due at time of service. If this is not possible then arrangements need to be made BEFORE the work is started. We understand that dentistry can be expensive, so it is our goal to help you with your insurance.

No one likes surprises so a written estimate will be given to you before the work is started. We are very transparent about our fees, so you will know exactly what the service is going to cost.

We accept cash, check, MasterCard,Visa, or Discover.

Patient Financing

Patients have found that various banks such as Bank of America, Chase, and Wells Fargo offer 0% credit cards for 12 months to help finance dental treatment. The interest rate is lower than most other outside financing.

WHAT IS COVERED AND NOT COVERED

Your insurance is a contract between you and the insurance company. There are deductibles, and procedures that are not covered by your plan. Esthetic dentistry is rarely covered unless it is NEEDS based such as decay, a fractured tooth, or a broken filling. Most insurance companies have a MAXIMUM allowable amount of $1,500-$2,500.

Your Human Resources Department can help you with this information. Every contract is different even at the same company. Insurance companies have an allowable amount that they will pay minus deductibles and also what they decide they are willing to pay. Each insurance plan has a different allowable amount each year.

I want my relationship to be with you not an insurance company. If you have any questions about your insurance we will help you get the answers.

We look forward to working with you in partnership to achieve a healthy and beautiful smile!