Dr. Patrick J. Ryan, DDS
Dr. Courtney Keel, DDS
Grin Pediatric Dentistry
6225 Chapel Hill Blvd.
Plano, TX 75093
(972) 608-4746
Office Tour | For Parents | New Patient Forms | Office Policies
For our Patients who have Dental Insurance
As a courtesy to you, we are happy to file for your benefit. As an out-of-network provider, we will accept assignment. You may be asked to pay a percentage at your child's visit depending on treatment. If your carrier does not pay in full, any unpaid balance is considered your financial responsibility.
FACTS YOU SHOULD KNOW ABOUT DENTAL INSURANCE
In an effort to help you understand your insurance policy and maximize your insurance benefits, we would like to share some facts about dental insurance with you.
- FACT #1- Dental insurance is a contract between you, your employer and the insurance company. We are not a party to that contract.
- FACT #2- Dental insurance is NOT meant to cover all fees, it is supplemental. As a courtesy to our patients, at your request, we will send for a predetermination, which will give you the best idea of what your out-of-pocket expense will be.
- FACT #3- Usual, Customary or Reasonable Fees, UCR, a term used by your insurance carrier, is an arbitrary amount which the insurance company chooses to pay for each procedure. It is not based on the average charge of practicing specialist in the area: it is merely the "allowable" amount they will reimburse so they can make a net 20%-30% profit. Our fees are within range of other pediatric dental offices in the area.
- FACT #4- Insurance companies will not release the exact amount they will pay for a procedure until the treatment is completed and the claim is submitted. They will only state the percentage of their fee schedule that they will cover.
We hope this information may have helped answer any questions that you may have had regarding dental insurance. If you have any further questions regarding your insurance, we ask that you contact your company regarding the specifics and details of your plan.