Financing Options

Financing

We feel that quality dental care should be affordable for everyone. Many of our patients require little dental work and incur minimal expense. However, some patients need extensive treatment and require financial assistance. Unless arrangements are made with our office manager ahead of time, payment for services totaling less than $300 is expected at the completion of treatment. For your convenience in paying for your dental care, we accept cash, checks, Visa, MasterCard, and Discover.

Additional information you should know:

You’ll receive a treatment plan with an estimate of fees and the amount due when service is rendered.

With approved credit, we may establish a payment contract, not to exceed six months. An interest rate of 18% per annum will be applied if payments are not submitted as agreed.

As the patient, you are ultimately responsible for all payment amounts, regardless of insurance coverage.

All outstanding balances over 30 days are subject to an interest charge of 18% per annum, or a $1.50 statement charge, whichever is greater.

Because an attractive smile DOES matter. Call today to schedule your appointment with Dr. Heher. We deliver exceptional care and personalized service to residents of Salisbury, MD and Delmarva.


Insurance

In our office, it makes no difference whether or not you have dental insurance. Regardless, I will perform a thorough examination and deliver an accurate diagnosis. We’ll help you understand your dental issues and options for care. I will tell you what I would do in your situation to help you choose the appropriate therapies. Our obligation is to you, not your insurance carrier, and we won’t allow insurance coverage or lack of it to affect the service or treatment we provide.

Dental insurance really isn’t insurance. By definition, insurance is a pooling of funds to pay for rare or catastrophic events. Dental disease occurs in about 90% of the population, so while it may be catastrophic, it is not rare. Therefore, dental insurance is more of a plan to provide tax-free benefits for employees than true insurance.

Regardless of whether our office is affiliated with your insurance plan, you can still receive the care and benefits within the terms of your employer’s contract with the insurance carrier. This may mean in some instances that you could pay more out of pocket. We’ll help you understand your insurance plan and will electronically file your claim for you. Our staff will provide the necessary documentation so that you can receive any reimbursement to which you’re entitled. In addition, we’re available as a resource if more information is needed, and we’ll be your advocate in dealing with your insurance carrier. Please keep in mind, however, that dentists are powerless to influence plan benefits negotiated between your employer and the insurance company. Only you, through your employer or the benefits manager at your company, can do that.

A few comments about managed care and participating providers. What seems like a good deal for most people, may in fact have a dark side. I realize the financial advantage to having a health care provider under an insurance company contract, but I think people are courting danger when they let insurance companies dictate treatment and providers—not all health care providers graduated in the top half of their class.

One has to ask in whose interest is the insurance company acting—their stockholders or the patient? I’m not so sure it’s the latter. Insurance companies’ sole purpose is to make a profit, and they are very astute at doing that—they hired the math “nerds” out of high school and college to compute statistically how they can maximize profits.

I constantly hear comments from patients who have gone to managed care (contracted) dental offices and complain about rushed treatment, lack of concern for their well-being, lack of information being provided to make a decision, and the list goes on and on. I have to ask—what do you expect? Health care is a business, and if the health care provider cannot make a profit, they are out of business. So something has to give—delegation to lower level providers, shortened appointment times, lower cost materials and cheaper laboratories, etc. I am not castigating all dentists and lower level providers—many are dedicated, altruistic and excellent. But for how long can these people continue to receive reduced reimbursements while insurance company executives are receiving seven figure salaries at a health care provider’s expense? I think patients controlled by manage care have to be wary of over-or under-treatment to maximize profits for the health care provider, and be concerned about corners being “rounded”.