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Dr. James P. Hannahan, D.M.D. * Practice Limited to Endodontics *

 

General Information

Our Financial Policy

Thank you for choosing our office for your dental needs.  We realize that every person's financial situation is different.  For this reason, we have worked hard to provide a variety of payment options to help you receive the dental care you need and deserve that allows you to enjoy a healthy, beautiful smile with respect to your budget.

During your first visit we will discuss the probable number of visits, their length, and the fees involved.  Endodontic fees very case by case and are dependent upon the tooth and the complexity of treatment required.  Endodontic fees usually range from $800 to $1,500 and we ask that your care is paid for at the time of treatment.

Accepted Forms of Payment

For your convenience, we gladly accept Visa, MasterCard, Debit Cards, and Cash.  We are no longer able to accept Personal Checks.  We are also pleased to offer Care Credit to help you finance your investment in your teeth.  Our office offers 6 months No Interest payment plans for those who qualify.

 

Patients With Dental Insurance

We are "in-network" providers for Ameritas, Blue Cross Blue Shield of Alabama, Blue Cross Blue Shield of Georgia, Delta Dental and Southland.  However, we will be glad to prepare and submit dental insurance claims, and/or assist in making insurance collections, for all our patients with insurance benefits.

Please note that your dental benefits are based upon a contract made between your employer and an insurance company.  We will do our very best to verify your insurance benefits prior to treatment, but if you have any questions regarding your dental benefits please contact your employer or insurance company directly.  Because dental insurance companies will often not divulge patient's personal insurance arrangements, James P. Hannahan, D.M.D., P.C. can only estimate benefits to be paid.

It is important that you recognize that the insurance you have is a legal contract between YOU and YOUR insurance company.  Our office is not, and cannot be a part of that legal contract.  Ultimately, you are responsible for all charges incurred in our office.

For other insurances, we provide care as an "out-of-network" provider for most open access or traditional plans.  We will happily work with you to confirm your insurance benefits and estimate co-payment.

We will gladly accept your estimated portion of the treatment fee and bill your dental insurance.  In order for us to do this, we require that your estimated patient portion be paid in full at time of service.  There are many factors involved in estimating our insurance reimbursement accurately (see below).  In the unlikely event your insurance does not pay the estimated amount, our office will contact you and we appreciate payment in a timely manner.

If we only provide an endodontic evaluation (limited oral evaluation, consultation): This consists of an examination and testing, discussing the likelihood of maintaining the tooth and treatment options available to you. Payment is due at time of service.

If we provide treatment: Fifty percent of the total will be required when we begin treatment and the balance due upon completion of treatment.  If we complete treatment in a single visit, payment is due at time of service.

Those with "in-network" dental insurance: We will estimate the portion your insurance is going to pay.  Since this varies from each individual, usually 25-75% of the cost of the procedure is required at the time of service.  We will bill your insurance for you.  Please keep in mind, however, insurance companies routinely indicate that coverage verification does not guarantee payment.

If your insurance pays more than the estimated amount, a refund check from this office will be mailed within 3 month from the date payment is received in this office.  We usually batch refund checks at the end of the month.

If your insurance pays less than the estimated amount, you will receive a statement from this office.  Prompt attention is greatly appreciated!

NOTE: By authorizing our office to file your insurance claim, you authorize payment of your insurance benefits directly to James P. Hannahan, D.M.D., P.C.  If your insurance company does not reimburse us after 2 submissions, you will be responsible for the remainder of the balance since we were unable to collect from your insurance company.

Understanding Your Dental Insurance

Your dental plan is designed to share in your dental care costs.  It will not cover the total cost of your treatment.  Most plans cover between 20 to 80 percent of endodontic services.  Sometimes, needed services are not covered at all.

Generally, a dental benefit plan is contracted between your employer, or plan sponsor, and a third party (insurance company).  These contracts vary widely.  There are many ways in which dental plans are designed and how reimbursement levels are determined.  You need to know how your dental plan is designed and its limitations.

UCR (Usual, Customary and Reasonable):

These plans pay an established percentage of the dentist's fee or pay the plan sponsor's "customary" or "reasonable" fee limit, whichever is less.  Although these limits are called "customary," they may not reflect the true value of the service that a dentist provides.  As a result, it may be noted on your bill that the fee that a dentist has charged you is higher than the reimbursement levels of UCR.  Keep in mind, there is no regulation as to how insurance companies determine reimbursement levels, resulting in wide fluctuation.  In addition, insurance companies are not required to disclose how they determine these levels.

Annual Maximums

Your plan purchaser makes the final decision on "maximum levels" of reimbursement through the contract with the insurance company.  Your annual maximum may be unknowingly exceeded or nearly exceeded when we provide an estimate of your endodontic treatment.

Treatment Exclusions

Your dental plan may not cover certain procedures that are required for the appropriate treatment of your unique situation.  This does not mean these treatments are unnecessary.

Our Bottom Line on Insurance

The factors stated above make determining the reimbursement level of your insurance very difficult to estimate accurately.  We will assist you to the best of our ability in obtaining the maximum benefits from your insurance.  We will only recommend treatment according to what is best for you, not according to your insurance benefits.