This privacy statement discloses the privacy practices for todaysdentalgroup.com. We are committed to protecting your privacy and encourage you to periodically review this page to be informed of how we protect the information you disclose to us.
Use of Personal Information
Any information you submit through todaysdentalgroup.com web site will be held in the strictest confidence. In no way will your personal information ever be used without your consent. To ensure this, all forms on our web sites that send information to a database that may be used in the future, e.g. mailing lists, registration, etc., have checkboxes where you specify whether or not you would like to receive information from us in the future. Forms used just to send e-mail, post messages, etc., do not include the option, but will never be used to send information. Be assured that we do not sell our name and address lists. If you choose to receive information from us, each message will also include instructions on how to “unsubscribe” from future mailings should you wish to cancel.
The only information we automatically collect is related to the use of our web site. This information is anonymous and is gathered through our servers’ log files. These log files record generic information, such as the number of visits our web site receives, the types of browsers used and the number of files downloaded, but never personal information. This log file information allows us to create better content aimed at our viewer’s preferences.
Some of our pages use a feature of your browser called a “cookie.” Cookies, by themselves, are not able to extract any personal information from you. This cookie automatically identifies your computer – but not you – to our servers when you visit our site. Unless you specifically tell us, todaysdentalgroup.com will never know who you are, even though we may assign your computer a cookie. Also, todaysdentalgroup.com web site can only read cookies created by todaysdentalgroup.com web site.
Cookies allow us to personalize our site for you and to provide you with information that fits your needs and desires. For instance, once you register your product online, a cookie is written to your computer so that you will not need to type information in the future to obtain support.
Todaysdentalgroup.com knows that your privacy is very important to you. We welcome questions and comments regarding this policy, so feel free to contact us. Because technologies on the Internet change so quickly, todaysdentalgroup.com reserves the right to modify its Privacy Statement from time to time.
TERMS AND CONDITIONS
FACT 1 - NO INSURANCE PAYS 100% OF ALL PROCEDURES
Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.
FACT 2 - BENEFITS ARE NOT DETERMINED BY OUR OFFICE
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company. A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.
Insurance companies set their schedules and each company uses a different set of fees they consider allowable. These allowable fees may vary widely because each company collects fee information from claims it processes. The insurance company then takes this data and arbitrarily chooses a level they call the "allowable" UCR Fee. Frequently this data can be three to five years old and these "allowable" fees are set by the insurance company so they can make a net 20%-30% profit.
Unfortunately, insurance companies imply that your dentist is "overcharging" rather than say that they are "underpaying" or that their benefits are low. In general, the less expensive insurance policy will use a lower usual, customary, or reasonable (UCR) figure.
FACT 3 - DEDUCTIBLES & CO-PAYMENTS MUST BE CONSIDERED
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00. Out of a $150.00 fee they will pay an estimated $80.00 leaving a remaining portion of $70.00 (to be paid by the patient). Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.
FACT 4 - CANCELLATION OF APPOINTMENTS
Cancellation of appointments must be at least 24 hours before the actual appointment time, otherwise, a $50.00 will be charged to your account, consequently, a no show will also be charged a $50.00 fee.