Billing & Finance
We Believe that Exceptional Dental Care is a Great Investment in Your Health. We Want to Make Your Experience Wonderful.
This is why we have a dedicated professional business office staff of five that are happy to work with you regarding your insurance for dental work and all your dental financials needs. We offer several payment options and payment plans for dental work.
We will explain all dental procedures and associated fees clearly and professionally before we begin treatment. It is our policy to make definite financial arrangements with patients before any treatment begins.
Medical and dental insurance can be confusing. The friendly staff at Madison Family Dental Associates is happy to answer your questions and help you get the most from your insurance.
We are in-network providers for Physicians Plus, Delta Dental, American Dental Plan, Humana, WEA, Momentum Dental Plan, and Ameritas. As a service to you, we also file insurance for most other dental plans. Your payment, or copay, is required at the time of service. If you do not have insurance, we offer a 5% discount if payment is made with cash or check at the time of service.
Other Payment Methods
For your convenience, we accept Master Card, Visa, American Express, and Discover Card. We also offer a third-party financing option. To meet your financial needs, our business office representatives are available in person or by phone to discuss financial arrangements with you. We now offer an online bill pay option.
Madison Family Dental Associates is pleased to work in conjunction with Wells Fargo in providing you with financing for your dental services. The Wells Fargo Health Advantage® credit card* offers two options that allow you to finance for a period of 6 or 12 months.
*The Wells Fargo Health Advantage® credit card is issued with approved credit by Wells Fargo Financial National Bank. Ask for details. Apply online and see if you qualify today!
Commonly Asked Questions About Insurance, Billing and Finance
How does Madison Family Dental Associates file claims?
Why was my insurance claim denied?
Your insurance carrier can deny a claim for the following reasons:
- Your name or the patient’s name is misspelled
- The patient’s birth date is wrong
- Your Subscriber Number or Group Number is wrong
- The Student Status has not been updated with your insurance company
- You did not see a provider within your network
- Insurance has terminated
- You have reached your benefit maximum for the year
- Your insurance company only allows cleanings every six months or two times per year
- Not a covered benefit
- You have a waiting period for Major Restoration procedures
- There is a missing tooth clause
What do I do if my insurance changes?
Did you have an accident?
What is not an accident according to my insurance company?
What should I do if I or a family member has had an accident?
- Contact your dentist within 24 to 48 hours of the accident
- Contact your medical and dental insurance companies within 24 to 48 hours of the accident
- Be seen within 24 to 48 hours of the accident – most insurance companies require this
- Give your medical insurance to the staff at the clinic at the time of your appointment
Can insurance companies limit coverage?
What happens if procedures cannot be performed to restore the tooth within a short period of time (less than six months)?
Contact your insurance company to see if there are any limitations. In most cases, if an exam was performed within 24 to 48 hours with documentation as to why restorative care cannot be completed at this time, this is sufficient.Please contact your medical and dental insurance if you have any questions.
How do I coordinate benefits between medical and dental insurance?
How does Madison Family Dental Associates preauthorize services?
How accurate is a preauthorization?
Your insurance company does not guarantee they will pay this amount and it is only an estimate of benefits.Having services prior to the preauthorized work performed may use your remaining benefits or reduce the amount available.
- You will be having a crown done that costs $1000
- You have a maximum benefit of $1000 for the year
- You have used $400 in benefits already this year and have $600 remaining
- Your estimate of benefits for the crown is $475 ($50 deductible and 50% coverage)
- The estimate is that the insurance will pay $475 and you will pay $525 for the crown
- Before you have the crown done, you will come in and have four fillings, which uses $300 of your benefits
- You have the crown done and the insurance pays $300. Why?
- Maximum Benefit $1,000
- Used Benefits $400
- Filling Benefits $300
- Available Benefits $300
- Total Benefits Used $1,000
You exceeded your benefits so $175 of the estimate will now be part of the patient-responsible balance. The insurance will pay $300 and you will pay $700.
Please ask your dental provider to preauthorize any future, major restorative services if you have a concern for your patient responsible balance.