Financial Policy

Patient Billing

At Fox Creek Endodontics, we make every effort to provide you with the finest care, while maximizing your dental insurance benefits. Dr. Tran’s main priority is provide the highest quality  of endodontic treatment available. In order to do so, he believes it is important to nurture a relationship with his patients by providing quality time to explain treatment details and answer any important questions patients may have regarding their dental health. 

In order to deliver such services, our financial policy maintains that payment is due in full at the time services are rendered, unless other arrangements have been made in advance.

If you have questions regarding your account balance or billing statement, please contact us at 936-756-1676. Many times a simple telephone call will clear any misunderstandings.

Please remember you are responsible for all fees associated with treatment rendered in our office regardless of your insurance coverage.

PAYMENT OPTIONS:

  • Cash, Check or Credit Card (American Express, Visa, Discover, Mastercard, ApplePay)
  • Care Credit: Apply online (www.carecredit.com) or in our office.

Insurance Information

Dental PPO insurance plans are accepted in our office. 

By providing us with you dental insurance information, we will contact your insurance carrier within 1-2 business days to verify your policy and provide you with benefit estimates based on your specific insurance policy. Because insurance policies vary, we can only provide an estimate of your coverage in good faith, but cannot guarantee coverage/payment due to the complexities and varieties of insurance contracts. All insurance policies have limitations and most do not cover 100% of fees charged. Ultimately, you are responsible for any remaining account balance .

Once we have verified your insurance policy information and Dr. Tran has performed a thorough clinical evaluation and diagnosis, he will make recommendations for treatment. One of our treatment coordinators will present you with a treatment plan and discuss your estimated out-of-pocket expense and the estimated payment from insurance. Please remember: these are estimates that are subject to change depending on the insurance carrier payment. The patient’s estimated out-of-pocket portion must be payed at the time treatment is rendered.

  • If your insurance pays more than expected, you will receive a refund check processed within 30 days of our office receiving payment. If insurance pays less than expected, you will receive a statement in the mail with details regarding your balance.

As a courtesy, Fox Creek Endodontics will submit a claim to your insurance company and track the claim for 60 days. We accept “assignment of benefits” (meaning we accept payment from insurance companies on behalf of the patient) from most dental PPO insurance plans .

  • We encourage you to contact your dental insurance provider if you would you like to determine whether our office is a participant within your insurance provider network.
  • Please note that if payment from your insurance company does not cover all charges rendered for you in our office, you are be responsible for the remaining balance. You are responsible for your policy deductible and any portion of treatment fees which the insurance policy does not cover or pay in full. If, for any reason, your insurance company does not honor their commitment to you and/or us please be aware that you are responsible to remit the remaining account balance. In addition, if your insurance company has not paid within 60 days of filing, you will be responsible for the remaining balance.
    • We will send you a monthly statement. Most insurance companies will respond within four to six weeks. Please call our office if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated. 

FACTS ABOUT DENTAL INSURANCE

  1. No insurance company pays 100% of all dental procedures.
    • Dental insurance is meant to be an aid in receiving dental care. Most insurance policies have an “annual benefit maximum” (generally $1000-2000/year depending on the policy), and will pay between 50-80% of the fees to cover a portion of your dental treatment. You are then responsible for the remaining balance. Many patients believe their insurance will cover most of the dental fees, but this is not true. Some policies pay more while others pay less. This percentage is generally determined by how much you or your employer pays for dental coverage, or the type of contract your employer has set up with the insurance company. 
  2. Benefits are determined by the insurance company
    • You might notice that dental insurance companies will reimburse you or our office at a rate lower than our dentist’s actual fees. Frequently, insurance companies will reduce payment by stating the dentist’s charged amount exceeds the “usual, customary, or reasonable fee” (UCR) set forth by the insurance company. 

    • Such a statement is misleading and gives the impression that the dentist is “overcharging”. Insurance “UCR” fees are completely subjective and arbitrary fee schedules set by each insurance company. Many do not allow our office to ask for their UCR fees, which puts our office at a significant disadvantage when attempting to provide our patients with accurate benefit coverage and patient out-of-pocket expense. 

    • It is more accurate to state that insurance policies that reduce fees are generally “underpaying”. Although there are many policies that have fee schedules that are similar to a dental office, many less expensive insurance policies will use a lower “UCR” fee to reduce payment to the dental provider. 

Please call if you have any questions or concerns regarding your initial visit.