CaringSmiles 4u | Office Policies in Indianapolis

                Juanita R. Taylor, DDS

                                        4615 Lafayette Rd.  Suite B
                                     Indianapolis, IN 46254

317-968-9700

Office Policies
 

How appointments are scheduled

Our patients are seen by appointments and are scheduled to respect your time.  We reserve a specific time for your child’s care and we make every effort to see you at your appointed time. These dental appointments may vary according to a child’s needs and level of cooperation.  By staying on schedule, we can give every child the attention and care they deserve in as pleasant of an atmosphere as possible.  Inadvertent delays to the schedule can occur and your patience is very much appreciated.  Each child is an individual, and some may require more “tender loving care” than others.  We ask for your understanding and patience in that your child may be the next one needing our extra attention.  If your child has a dental emergency or a severe toothache, every attempt will be made to see your child that day.

Because our practice cares for children, it is not possible to give everyone appointments in the later afternoon.  We like to reserve these times for our older children.  Children under 5 usually are in a better frame of mind and have a positive experience in the morning.  The best time for these appointments is not after school when your child is tired of sitting and either needs rest or physical activity.  We also prefer to see children requiring longer appointments in the morning when they are rested and alert.  These recommendations go a long way in having a comfortable experience at the dental office.

We will be happy to provide your child a signed verification for the appointment, which meets Indiana law for legal school excuse.

As a courtesy, our treatment coordinators will attempt to confirm your child’s appointment 24 hours in advance.  This allows for better efficiency of our office as well as to schedule the appropriate number of staff to best meet the needs of the schedule for the day. However, we do ask that patients/parents assume responsibility for their appointment time.  If you do need to change an appointment, we ask that you provide our office with a 24 hour notice.  This courtesy on your part will allow us to make this time available to patients who could benefit by having treatment done sooner.

 

Prior to your appointment:

  • Please inform us of any change to your child’s health and/or medical condition. 
  • Tell us about any respiratory condition that makes breathing through the nose difficult for your child.  It may limit the effectiveness of the nitrous oxide/oxygen.
  • Let us know if your child is taking any medication on the day of the appointment.

 

Cancellation Policy

Our patients are seen by a reserved appointment and are scheduled to respect your time.  We reserve a specific time for your child’s care, and we make every effort to see you at the appointed time.  These dental appointments may vary according to a child’s needs and level of cooperation.  By staying on schedule, we can give every child the attention and care they deserve in as pleasant of an atmosphere as possible.

Inadvertent delays to the schedule can occur and your patience is very much appreciated.  Each child is an individual, and some may require more “tender loving care” than others.  We ask for your understanding in that your child may be the next one needing our extra attention.  If your child has a dental emergency or a severe toothache, every attempt will be made to see your child that day.

If you are unable to keep an appointment, we ask that you kindly provide us with at least 24 hours notice.  We ask for this advance notice so that we can offer this appointment to another patient who may benefit from our services sooner as well as allow us to schedule staff to best meet of the dental needs scheduled for the day.

Financial Policy

Payment for professional services is due at the time dental treatment is provided.  Every effort will be made to provide a comprehensive treatment plan which fits your budget, and gives your child the best possible care.  We accept cash, personal checks, debit cards and most major credit cards.  As an additional option, we also provide third party financing through CareCredit.  We accept most major insurances and Hoosier Healthwise.

Dental Insurance Policy

If we have received all of your insurance information on the day of the appointment and we are able to confirm eligibility, we will be happy to file claims on your behalf.  The accuracy of all the information we receive is essential for proper filing of claims.  We will assist you in estimating your portion of the fee for dental services; however, we cannot guarantee what your insurance company will pay on a claim.  Please understand that filing your claims is a courtesy our office provides to our patients, it does not guarantee payment to us.  We are providing our professional services to your children not the insurance company!  Consequently, you are ultimately responsible for payment of our fees.

You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay.  By law your insurance company is required to pay each claim within 30 days of receipt.  We file all insurance electronically so your insurance company will receive each claim within days of the treatment.  You are responsible for any balance on your account after 30 days, whether insurance has paid or not.  If you have not paid your balance within 60 days a rebilling fee of 1.5% will be added to the account each month until paid in full.  We will be glad to send a refund to you if your insurance pays us.

Fact 1 – NO INSURANCE PAYS 100% OF ALL PROCEDURES

Dental insurance is meant to be an aid in receiving dental care.  Many patients think that their insurance pays 90%-100% of all dental fees.  This is not true! Most plans only pay between 50%-80% of the average total fee.  Some pay more, some pay less.  The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company. 

Fact 2 – BENEFITS ARE NOT DETERMINED BY OUR OFFICE

You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee.  Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary, or reasonable fee (“UCR”) used by the company.

A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service.  This can be very misleading and simply is not accurate.  Our fees are usual, customary and reasonable within the given area.

Insurance companies set their own schedules and each company uses a different set of fees they consider allowable.  These allowable fees may vary widely because each company collects fee information from claims it processes.  The insurance company then takes this data and arbitrarily chooses a level they call the “allowable” UCR Fee.  Frequently this data can be three to five years old and these “allowable” fees are set by the insurance company so they can make a net 20%-30% profit.

Unfortunately, insurance companies imply that your dentist is “overcharging” rather than say that they are “underpaying” or that their benefits are low.  In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.

Fact 3 – DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED

When estimating dental benefits, deductibles and percentages must be considered.  To illustrate, assume the fee for service is $150.00.  Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid.  First a deductible (paid by you), on average $50, is subtracted, leaving $100.00.  The plan then pays 80% for this particular procedure.  The insurance company will then pay 80% of $100.00, or $80.00.  Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient).  Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.

MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.