Question 1

What insurances do we work with?

Accepted Answer

Since there are numerous individual plans, Please CONFIRM with your insurance company if Dr. John is in network with your plan prior to any appointment.

Here is the list of Dental Insurance Companies we participate with : [PPO ONLY]

- Aetna
 - Anthem Blue Cross Blue Shield of: CO, CT, KY, ME, MO, GA, IN, MI, NV, NH, OH,VA, WI, NY, MN
 - Blue Cross of CA
 - Blue Cross Blue Shield of TX, IL, NM, OK, MT
 - Careington insurance and Careington discount plans
 - Cigna (Total DPPO plans, not Advantage) (Not Cigna discount plans)
 - Dental Select
 - First Priority Health and First Priority Life
 - GEHA
 - Guardian
 - Highmark Companies
 - Humana 
 - Lincoln
 - Meritain Health
 - Standard and Reliance Standard
 - Physicians Mutual
 - Principal
-  Teamcare (through Humana)
 - United Concordia Elite Plus  and State of Maryland plans (NOT Advantage Plus, Concordia    
   Advantage or Tricare)
 - United Healthcare (Dr. John participates with most PPO plans)

*Dr. John does NOT participate with Blue Cross Blue Shield of MARYLAND (CareFirst), Delta or Metlife. But we will submit to the insurance on your behalf after each appointment.

PLEASE CONFIRM WITH YOUR INSURANCE IF DR. JOHN IS IN NETWORK PRIOR TO YOUR APPOINTMENT!!

Question 2

Insurances and Fees

Accepted Answer

Our business office staff is experienced with insurance procedures and can answer most questions regarding billing or insurance coverage. We will give you a fee-for-services Treatment Plan during the initial consultation.
Fees for services are based on the complexity of the treatment, not on what insurance companies allow.
Most communication is via email due to expediency and convenience.
Please remember that you are fully responsible for all fees charged by this office regardless of your insurance coverage.
We accept VISA, Mastercard and Discover credit cards.
We will send you a monthly statement. Most insurance companies will respond within 4-6 weeks. Please call our office if your statement does not reflect payments made by your insurance company during that time period. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated.

Question 3

Patients with IN-NETWORK Dental Insurance:

Accepted Answer

After the Consultation, we send an ESTIMATE request to your insurance company for any procedures on the Treatment Plan. Once we hear back from your insurance (which can take 3-4 weeks), we will email you. The estimate amount is collected at the time of Surgery, (including any balance from the Consultation). This is just an ESTIMATE.
If the ESTIMATE is not back from your insurance company in time for treatment, 50% of the total Treatment Plan is collected at surgery.
HOWEVER,
If your dental insurance requires submission to MEDICAL  insurance first, the allowed (contracted) amount will be collected in full at surgery. Dr. John is out of network with MEDICAL plans. Due to discrepancies in medical payment and lack of communication back to us from medical insurance companies, once you file and hear back from the MEDICAL insurance , forward the Explanation of Benefits to us and we will file the DENTAL insurance for you.
If there is any over-payment after all insurances are settled, we will refund the excess payment.

Question 4

UNINSURED Patients and those with OUT-OF-NETWORK Dental Insurance:

Accepted Answer

After the Consultation, (for all plans except BCBS of MD/CareFirst) we send an ESTIMATE request to your insurance company for any procedures on the Treatment Plan. Once we hear back from your insurance (which can take 3-4 weeks), we will email you. The estimate amount is collected at the time of Surgery, (including any balance from the Consultation). This is just an ESTIMATE.
If the ESTIMATE is not back from your insurance company in time for treatment, 100% of the total Treatment Plan amount is collected at the time of the procedure. 
 
If there is any over-payment after all insurances are settled, we will refund the excess payment.
For UNINSURED patients, 100% is due at the time of the surgery.

Question 5

Patients with MEDICAL insurance

Accepted Answer

Since we do not participate with any medical insurances, 100% will be due at the surgery and you can to file your insurance. We will give you all the necessary Diagnosis and Treatment Codes after the surgery is completed.
If you have Medicaid or Medicare, you CANNOT file a claim.

Question 6

Healthcare financing information

Accepted Answer

If you are interested in obtaining financial help for procedures, please visit the Care Credit website.(https://www.carecredit.com/go/BRT499/)