Insurance & Payment Plan

Percentage of Coverage

Based on your insurance policy, you might be reimbursed for a certain percentage of your total bill: Eg. You have 80% coverage. For a dental bill of $1000 your insurance company covers you for 80% of the total bill which is $800. The remainder of the bill is your responsibility and should be paid after your treatment is completed.

Not all dental procedures are considered equal;

Percentage coverage for basic needs
Basic needs range from exams, x-rays, scaling, fillings, root canals and extractions. Some insurance companies set limits as to how often a certain procedure can be done within a certain amount of time; eg. Most insurance companies only let you take new X-rays every 9 months or you are entitled to a new filling on the same tooth after a year or two years from the last time that tooth was filled

Percentage coverage for major needs
Major treatments include but are not limited to crowns, bridges and implants. They are usually covered on a lower percentage than basic needs but that is not the case with all insurances. Some insurance companies will not cover you for bridges or implants if you lost the tooth before you started your insurance policy with them.

There are also elective procedures such as orthodontics, or tooth whitening.
Most insurance companies do not cover these elective procedures but some do. Every insurance policy is different and you should be familiar with yours

Copayment

Some people such as married couples and common law partners might be covered under two insurance plans, their own primary insurance and their partner's secondary insurance. In this advantageous situation, your primary insurance is billed first and if there is a remainder left, the secondary insurance will cover it. Copayment really helps keep out of pocket fees to a minimum

Deductibles

Some insurance companies have a deductible which is a certain amount that must be paid first before insurance begins to reimburse you. Many insurance companies don’t have deductibles but some do.

Eg. Your insurance has a $50 deductible. On a $500 dental bill the first $50 must be paid by you and then the remaining $450 is covered under insurance depending on your percentage coverage.

Annual Maximum

Most dental insurances have an annual maximum coverage meaning that if your bills for a given year go over the maximum they no longer reimburse you for further treatment during the remainder of that calendar year.

Eg. You have a $1000 annual maximum. If your dental bill is over $1000, they no longer pay for the remainder until your year is over and the insurance resets. Some people choose to put off non-urgent procedures until the new year. Others hurry in on December to maximize their insurance and get all their work done at once. Everybody is different. You should know your annual maximum to avoid confusion and a possible bill that you may have to pay out of pocket.

Payment Plan

At Hullmark Dental we want every patient to have the most exceptional dental care, and we strive to make our services affordable to everyone. We absolutely believe that exceptional care doesn’t have to be expensive. This is why we offer a full range of financial options, including payment plans. Our financial coordinator is highly trained in all different payment options, so that you can afford to get those beautiful veneers or orthodontics for your child. Remember that your smile is an investment not only in your oral health, but in your pride and self-esteem. A gorgeous smile is the ultimate expression of happiness and self-confidence.