Dental Insurance

At Kevin Postol Family and Cosmetic Dentistry, we want to make sure you have access to the dental care you need, which is why accept a wide variety of dental insurance plans. If you are a new patient or if you have changed dental insurance recently, we recommend contacting our office to ask whether or not your insurance plan is accepted. Our friendly office manager, Robin, would be more than happy to contact your insurance company to inquire about coverage.

Preventive Dentistry Ballwin, MO

Having dental insurance doesn't necessarily mean your procedure is covered--but you can still get the dental work you need.

Although some dental offices ask that patients pay for services upfront and submit their own reimbursement forms to their insurance company, we are more than happy to submit insurance claims for you electronically, usually before the end of the treatment day. When you come in for treatment, you will only pay your estimated co-payment, and then the remainder of the balance will be settled after payments from your dental insurance company have been made.

To streamline the claims submissions process, we ask our patients to make sure that their dental insurance information is accurate and up-to-date when they come in for treatment. That way, we can make sure that you receive the correct billing for your treatment and avoid any unnecessary hassles.


Understanding Dental Insurance

Dental insurance can be complicated, which can make seeking dental treatment stressful and confusing. Here are some dental insurance terms you should be familiar with, and how they could affect your dental treatment payments.

Annual Maximums

Most dental insurance plans contain an annual maximum, which is essentially a cap for what your insurance plan will pay out in a given year.

Deductibles

The deductible is the amount you are required to pay before your dental insurance kicks in. Some plans have a basic deductible that has to be met before any payment from the insurance company is made, while others have deductibles for each service. For example, your plan might dictate that crowns carry a $300 per crown deductible in addition to your dental premiums and normal deductible.

Preventive, Minor and Major Procedures

Each dental procedure is sorted into one of three categories: preventive, minor, or major. Your insurance company may charge you differently depending on which category your needed service falls under. For example, preventive care, such as dental sealants and yearly dental exams, might be covered 100%, while major repairs, such as dental crowns, might only be covered 50%.

Limitations and Exclusions

The range of benefits depends solely on what you (or your employer) wish to purchase. Some plans may cover as little as 30% or as much as 100% of dental services, with most falling in the 40% to 80% range. Insurance companies also reserve the right to limit or exclude coverage for given services. For example, your insurance company may not provide any coverage for cosmetic or orthodontic procedures. Because patients are responsible for covering the cost of dental procedures not covered by their insurance company, it is vital to understand your dental insurance plan’s coverage limits, coinsurance rates, and exclusions prior to making an appointment.


Accepted Forms of Payment

We accept cash, personal checks, money orders, Visa, Mastercard, and Discover. As a service to our patients, we also offer in-house financing and a 10% discount for paying for services upfront with cash or a check. We also accept CareCredit, a flexible, convenient line of credit accepted by over 175,000 dental and medical providers across the United States.

If you are unable to pay your dental service balance within 60 days, your account will be subject to an 18% APR interest charge. For more information about our financial policies, see here or contact our office. We are more than happy to talk with you about the estimated cost of your procedure and your payment options. We look forward to working with you and helping you to address your dental needs.