10550 Warwick Avenue
Fairfax, VA 22030
Fairfax, VA 22030
We accept cash, check, CareCredit and most major credit cards. We also have financing options that allow you to make payments.
We are “out of network” with all insurances, and would like to remind you that fees and co-pays are due at the time of service. We are “out of network” with all insurance companies, but we will file insurance claims as a courtesy to our patients.
Please call us, if you have questions about our financial options.
Dental insurance is an extremely complex topic. While many patients have dental insurance, understanding it is an entirely different matter and it can be very confusing.
One of the most common misconceptions is the difference between a facility that is “in network” with insurance and one that is “out of network” with insurance.
At NOVA Prosthodontics, we are “OUT OF NETWORK” with all insurances. This means that when we treat a patient, we file the insurance forms for you, bill the insurance, and assist our patients in getting payment for services rendered in our office. We have no contractual relationship with any insurance company. Our relationship is exclusively with the patient.
What does “in network” mean? Many insurance companies offer deals with dental offices that enter into a contract with them. The result is that the insurance company will funnel prospective patients to a specific dentist in return for that dentist accepting a lower payment. Dentists who are looking for more patients are willing to to accept a reduced payment and find ways to cut costs to remain profitable.
Most insurance companies will cover a certain percentage of approved treatment, leaving a patient responsible for the lacking percent. If a patient’s insurance approves a claim and covers 80% of a $100 treatment, the patient’s copay will be 20%, or $20.
The deductible is a specific amount of money the insurance company requires a patient to pay before they will cover any treatment. For example, if the deductible is $50, the patient will have to pay $50 each year before the insurance company will begin to cover their treatment. Deductibles vary per policy.
Dental insurance works differently than car, home, or health insurance, in that it doesn’t protect you against emergencies. Doesn’t sound like insurance at all, does it? The cost insurance covers is usually set by an annual limit, or maximum amount of dollars the insurance company will pay per annual or contract year to cover any dental needs. Once the limit is reached, a patient will be responsible for 100% of their treatment. Most annual limits are $1,000 or $1,500 per year, meaning insurance will cover up to $1,000 or $1,500 of treatment completed per year (not including the patient’s deductible and copay). They really should be required to call it a “dental benefit plan” and not “insurance” because the annual limit is not high enough to “insure” you are protected from unexpected costs.
We do our best to keep patients informed of their annual limit, but are unaware of treatment completed in other offices.