In our office, we do not want surprises just as you do not want surprises and avoid unnecessary miscommunication. It is a great idea to have a list of questions, even from the preliminary phone call, and write down the answers for reference. You will also receive complete and written information regarding our office policies. We work very hard to maintain a peaceful, simple and honest healthcare service business for our community. Good business is essential to longevity and respect.
We are in network with the dental PPO insurance companies listed below.
Please keep in mind that insurances companies are designed to pay only a portion of the cost and you are responsible for the balance.
Also, an insurance company denying a service does not mean the service is unnecessary. For example, if a house has plumbing damage, and the owner has a homeowners policy that does not have plumbing coverage, the policy will not cover necessary repairs.
Our fees are based on the national ADA fee schedule, are in accordance with our zip code and also pre-negotiated with your insurance companies for lower fees that benefit you, the patient.
There are 6 domains of healthcare quality that our doctors measure themselves by in order to keep our costs down. Are we: Safe, Effective, Patient-Centered, Timely, Efficient and Equitable? Drs. Hullett holds themselves up to these measures and will recommend and provide necessary, quality treatment to you.
We have several forms of payment options available to help ease the burden:
- PPO Insurances listed below
- Discount Plans listed below
- Care Credit
- Lending Club
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We provide you every available information upfront in order to be transparent and also urge you to contact your insurance plan to doubly verify your benefits and remaining benefits to date as well.
Each individual has a different, specific plan and your insurance gives us an ESTIMATE of coverage for your procedure. The ESTIMATE given over the phone is not a guarantee. Dental insurance should be aptly renamed “dental assistance”.
If you pay a high monthly premium, chances are you have broader benefits.
If you pay a lower monthly premium, you will have limited benefits.
When our office calls your insurance, we do so to verify benefits, percentage covered, your estimated payment, and their estimated payment. This is the information we relay to you, in writing.
Please call our office at our main number, 713-439-7575 during office hours. Confusion can be cleared up with proper communication. Insurance can be confusing and frustrating, on purpose. Our staff is educated and here to help you.
Insurance Terms To Know
Waiting Period:The time, usually 6- 12 months, your new insurance will have you wait until some or all your benefits become active.
Missing Tooth Clause: When your current insurance will not pay for an implant if the tooth was extracted prior to your current insurance coverage.
Your Contracted Amount (if present): The insurance has negotiated a reduced fee for participating dentists. The negotiated amount is printed in this column if the health care professional is a participating dentist, otherwise zeros will appear.
Amount Eligible for Coverage by the Plan: Part of the “Your Contracted Amount” eligible for coverage under the plan. This amount is used to help calculate how much will be paid by the plan.
Remaining Balance: “Amount Eligible for Coverage by the Plan” minus “Patient Deductible”
Plan Covered ($ or %): The amount of the “Amount Eligible for Coverage by the Plan” paid by the plan.
Premium – The monthly payment you make to have insurance.
Co-Pay: The flat fee amount you agreed with your insurance to pay out of pocket for each visit.
Deductible: The amount you agreed with your insurance to pay out of pocket before the insurance starts to pay (typically does not include co-pays).
Co-Insurance: After your deductible is met, it is the % of the coverage you pay out of pocket.
Out of pocket maximum: The most you can pay for covered dental expenses in the covered year.
Is having insurance a blessing or a curse? When you need healthcare services or at higher risk for services, it is a blessing. It is extremely fortunate if your employer picks up part or all of your premium. It seems like a curse when they make you pay deductible, co this and that, because originally, insurances were created to make people accountable for their health status and life habits. Patients will mistakenly allow their insurance to dictate their treatment as well.
Example: You come in with a painful, active infection today requiring immediate treatment, but your insurance does not cover the procedure until it turns over 4 months later because you have used up your benefits, so you choose to wait which is highly not advised. This is the bane of all healthcare fields that prevents doctors from taking care of their patients in a timely, proper manner.
We understand that oral surgery is not a want but an unavoidable need. It helps when you find that your oral surgeons, Drs. Hullett, are ethical, efficient, uses common sense as well as their expertise.
Doctors who are in network take an agreed upon reimbursement. Insurance reimburses the doctors based on zip code (geographic index) and RVU’s. Doctors are ethically and lawfully bound to never overcharge. RVU is “Resource Value Units”. It is calculated by practice expense, value of service and malpractice expense (aka, overhead within the zipcode).
At your consultation, we will gather your insurance information and call them for your benefits prior to any surgery. You will be given a written plan outlining the prescribed procedure and itemized cost for your review. There should be no question or doubt of what you are paying for.
Once surgery is completed, we submit your claim to the insurance company on your behalf. This assures that the correct code and exact surgery done is submitted.
Most insurance companies will respond within four to six weeks and we mail you a monthly statement. Please call our office if your statement does not reflect your insurance payment within that time frame.
Balance: Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated.
Credit: If you have paid your portion of surgery and the insurance company has also paid, you will be mailed a patient refund. It is important we have an accurate address on file.
If you desire a pre – determination with your dental insurance, we will be happy to do it for you and this takes about 4-6 weeks for a result from the insurance company.
For your convenience we accept checks, Visa, MasterCard, Discover, Amex and financing through Care Credit and Lending Club.
We deliver ideal and ethical care using the ADA National Fee schedule which is based on RVU cost guidelines for our zip code in Houston and Sugar Land. Payment is due at the time service is rendered unless other arrangements have been made in advance.
We are in network with these PPO insurances:
- Assurant PPO/DHA
- Blue Cross & Blue Shield
- Boon Chapman
- Cigna Dental
- Delta Dental
- GEHA / Connection Dental
- Lincoln Financial
- United Concordia
- United Healthcare
We are in network with these Discount Plans:
- AON Dental
- Care POS