Thank you for selecting our office as your dental care provider. It is our goal to provide our patients with the highest level of dental care available. In order to accomplish this, patient/doctor communication is essential. The following financial information is designed as an informative guideline on dental insurance, payment methods, payment plans and financial information.

Dental Insurance

Our office files dental insurance claims electronically. The electronic claims system requires current patient information. This includes birth date, employer, social security number or subscriber ID number and insurance claim address. If at any time the above information changes, please advise our office immediately. Keep in mind that dental insurance is not meant to be a pay-all; it is only meant to be an aid. Please be aware that we are not familiar with every insurance plan or every level of coverage. Each insurance carrier has separate and different fee allowances, plan benefits, and yearly deductibles. Insurance companies provide a free customer service phone number in order to answer your questions on coverage. The telephone number is located on the insurance card or the plan package.


In order to maintain a high quality of patient care, the total amount or the amount not covered by insurance is due at the time of treatment. Accounts can be paid with cash, check, or credit card. (We accept Visa, Master Card, and Discover Card.)

Account Billing

The account is the responsibility of the patient. In the event that insurance denies payment or does not respond, the patient is responsible for payment. Accounts that are past due are charged a 1.5 percent monthly finance charge with a minimum finance charge of one dollar. Please understand that insurance companies usually take 60 to 90 days to process claims. Therefore, the portion not covered by insurance is due at the time of service.

Questions & Answers

How much does insurance cover? Insurance companies normally cover 50% – 80% of restorative (fillings, bridges) and 90% – 100% of preventive (cleanings). Coverage varies with each insurance policy. For treatments considered extensive, a pre-treatment authorization can be submitted to confirm benefits. If your insurance carrier requires a pre-treatment authorization for restorative work, please notify the office with each necessary request.

What does usual and customary mean? Insurance companies determine their fee allowances by surveying a geographic area. They average the fees and take 90% of that number to determine their usual and customary fee allowance. Included in the fee survey are discount clinics that reduce the average. Most doctors will have fees that are considered above usual and customary. It has been our experience that insurance companies will freely tell the insured that fees are “above usual and customary” rather than saying “our dental benefits are below average.”

Why should I pay for treatment at the time of service? Can’t you bill me? Our office requests payment for treatment rendered at the time of appointment. Our staff works diligently to provide each patient with the best dental care and we ask for the same consideration on your part.

What if I need to cancel an appointment? Our office carefully schedules each patient according to the necessary time needed for each treatment. Please allow at least 24 hours notice if an appointment needs to be rescheduled. If you think you may be late to an appointment, please contact the office as soon as possible. Late patients upset the daily schedule and may cause delays for other patients.

Please do not hesitate to ask questions regarding our office policies. The policies were designed to clarify confusing aspects of dental treatment and to provide explanations for common dental matters. Here at our Highlands Ranch Dental office, we encourage questions and would like our patients to be educated on his/her dental health.