Payment & Insurance
Oral wellness is important to the overall health for our patients. Dr. Aver prides herself on providing quality dental care at an affordable price to all her patients.
Dr. Aver will submit dental claims on your behalf to all major PPO dental plans.
As a result of the many different and confusing insurance company reimbursement policies, it is necessary to have an easily understood financial responsibility policy. Insurance is a patient’s benefit designed to assist the patient in their financial obligation for dental care. Our office does not negotiate the terms of patient’s dental benefits and are not given complete details of these benefits–only limited information. Therefore it is the patient’s responsibility to understand their coverage and benefits limit. The patient is the one receiving dental services and therefore is ultimately responsible for all charges on the account regardless of any insurance coverage. This applies to everyone in the family who is treated.
It is important for you to provide Dr. Aver’s practice with complete insurance information for all carriers with whom you are insured at the time of care. It is the patient’s responsibility to inform our front office of any changes to your insurance carrier. If you are unable to provide our office with the necessary information at the time of your appointment, you will responsible for the full amount of services.
As a service to our patients, we will submit your insurance claim to your primary insurance company. Our front office will provide the insurance company with all the information necessary to help you receive maximum benefit from your insurance company. However, it is the patient’s responsibility to know the insurance coverage and benefits limit of their particular policy.
At check out, our front office will collect payment for the patient’s deductible and the estimated balance based on the patient’s primary estimated insurance payment at the time of your appointment. After the primary insurance payment is received, the patient will be billed for any difference between the anticipated insurance payment and the actual insurance payment. If the insurance payment is greater than the estimation, we will either refund the amount to the patient or leave the credit balance on the patient’s account to be applied toward future treatment.
If a claim is denied, we will research why the rejection occurred and either resubmit to insurance or bill you the appropriate balance. If the claim is denied a second time, the appropriate balance immediately becomes the responsibility of the patient and should be paid to us directly. You may contact your insurance company for reimbursement.
To assist patients with rising dental costs, Dr. Aver has an “in-office” discount dental program available for those who do not have insurance or cannot obtain dental coverage. Our dental program provides a wide scope of benefits at an affordable price. For details, refer to our Dental Discount Program page.
Payment is due at time of service. We accept Visa, MasterCard, Discover Card, Care Credit, cash and checks.