FINANCIAL & INSURANCE POLICY
During your consultation and before surgical care Dr. Ehsan’s financial staff will inform you of the fees. The fees reflect the degree of difficulty and risks involved in the procedure. We believe that understanding the fees before surgical therapy is important for patients.
Please bring all medical and dental insurance information (if applicable) so our staff can review your coverage with you. Our ultimate goal is to offer outstanding surgical care at the most reasonable cost to our patients. It is very important for patients to understand that your insurance policy is an agreement between you and your insurance carrier. Our staff will be happy to assist you in completing the necessary forms. Our intent is to maximize insurance payments thereby making your out-of-pocket costs low.
Following your initial co-payment and surgery, we will process your insurance forms for you and will notify you of your reimbursement. Most insurance companies will respond within four weeks sending our office and you notification. Please review your insurance carrier’s letter as they will explain your reimbursement/payment. Any remaining balance for surgical services rendered after the insurance has paid its portion is the responsibility of the patient. We cannot exactly predict what insurance benefits individual insurers will pay. This depends upon your deductibles, coverage limits, contract exclusions and carrier fee schedules. To give you the best possible estimate, we will verify your coverage with your insurance carrier. The information they provide us is usually but not always accurate. If for any reason the insurance company denies payment or payment has not been received after two (2) months for the services rendered, you will be responsible for the entire amount.
We are a provider for most of the major dental and medical insurance plans to minimize your out-of-pocket costs.
For your convenience we accept credit card (Visa, Mastercard, American Express), and cash. We also have access to Dental Fee Plan by CapitalOne which is a lending company that can do payment plans for certain patients. Dental Fee Plan by CapitalOne – offers a line of credit for health/dental care needs. They provide two options: 3 or 6 month interest free option (amounts $300-$25,000) or 18 to 60 month plan with fixed interest rates (amounts $1000-$25,000). These plans offer no initial payment, fixed rates, and no prepayment penalty.
We can also make arrangements for a convenient payment plan, but this must be set up prior to the actual procedure.
Please feel free to direct all you financial questions to our front office staff. Our financial staff is very knowledgeable and experienced in insurance and medical finances. They can be reached at 415-395-9987. You can also contact your insurance carrier for specific explanation of your policy, payment and coverage.