Payment OptionsMiddletown, NY
For your convenience, our Middletown pediatric dentist accepts cash, personal checks, money orders, and most major credit cards. Payment is expected at the time services are performed. Feel free to contact our office if your treatment plan requires more comprehensive dental work and you want to discuss financial arrangements.
Hudson Valley Pediatric Dentistry participates with the following insurance plans:
Delta Dental PPO, United Concordia, Aetna, Ameritas, Principal, Cigna, Guardian, CSEA, Metlife, Sunlife, Assurant, Fidelio, Dentegra, Washingtonville Teachers, United Healthcare, Careington discount plans, and most BCBS PPO plans. However, if you do have a PPO plan that we are not in network with will be happy to submit it as a means of payment. Please call the office to discuss for further understanding. These will be accepted as out of network benefits.
If we’ve received all your insurance information on or before the day of the appointment we will be more that happy to submit the claim for you. Please become familiar with your insurance prior to your appointments. We will be collecting the estimated co-payment on the day of the appointment along with any deductibles that may be due. The co-pay is the estimated portion that your insurance is expected not to pay. If you have an insurance that will not pay our office directly than you will be responsible for the full payment and your insurance company will reimburse you directly.
Please be aware that your insurance is a contract between you, your employer and the insurance company. We are not party to that contract. It is almost impossible for our office to keep up with the ever-changing policies of each individual plan. Therefore, dental benefits and coverage of specific procedures can vary according to the individuals plan.
Please inform our staff if there are any changes to your insurance policy prior to your child being treated so that we can verify your benefits. Please be aware that although we file claims promptly to expedite communication with the insurance company we are not responsible for how the insurance company processes the claim or for what benefits are ultimately paid. Our office recommends treatment based on the child’s need not on what that individuals insurance pays. Insurance benefits are determined by the benefit package that your employer has purchased. Prior to treatment our office will discuss with you your ESTIMATED co-payments based on the information we’ve received from your insurance company however there is no way of knowing exactly what they will pay until the actual claim is submitted. Therefore, all account balances that remain once the insurance payment has been received are the responsibility of the parent/guardian. If after 60 days, we have not received payment from your insurance company you will be responsible for the balance. We will be happy to assist you with dealing with your insurance and will gladly send you a refund check should a payment arrive after the 60 days.
6 FACTS ABOUT DENTAL INSURANCE POLICIES
MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment
CareCredit is here to help you pay for treatments and procedures your insurance does not cover. They offer No Interest* financing or low minimum monthly payment options so you can get what you want, when you want it. With three simple steps, including an instant approval process, it's easy to apply for CareCredit. After you're approved, you're free to use CareCredit to finance our services.Now you don't have to worry about saving up for the procedures you want and need. With CareCredit, the decision's in your hands to get what you want, when you want it. For more information or to apply online, visit carecredit.com.
If your child requires additional treatment after their examination a written treatment plan will be provided and discussed with you. The treatment plan will have a breakdown of each fee and the estimated portion paid by your insurance company as well as your estimated co-payment. You may discuss financial arrangements with our office manager.
For divorced or separated parents: The parent who brings the child to the office is legally responsible for payment of services. If another agrees to payment responsibility, that person must provide a notarized acknowledgment in writing of their desire to pay for care. It is the responsibility of the person bringing the child to the office to obtain a written agreement and to inform the other person of care being provided.
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