General Dentistry, Longview, TX 76054 - Drs. Charles McGough and K. Renee McGough
General Dentistry - Longview, TX
Pediatric Dental Specialist - Dr. Renee McGough
 
General Dentistry - Longview, TX
 
Office Policies
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How are appointments scheduled?    |    Do I stay with my child during the visit?

Do you do white fillings, root canals, porcelain crowns etc?    |    What about finances?

Our Office Policy Regarding Dental Insurance

office policies

How are appointments scheduled?

The office attempts to schedule appointments at your convenience and when time is available. A parent or legal guardian must accompany their child on the initial visit to be available to sign consent forms for treatment. Preschool children should be seen in the morning because they are fresher and we can work more slowly with them for their comfort. School children with a lot of work to be done should be seen in the morning for the same reason. Dental appointments are an excused absence. Missing school can be kept to a minimum when regular dental care is continued.

Since appointed times are reserved exclusively for each patient we ask that you please notify our office 24 hours in advance of your scheduled appointment time if you are unable to keep your appointment. Another patient, who needs our care, could be scheduled if we have sufficient time to notify them. We realize that unexpected things can happen, but we ask for your assistance in this regard. Frequently missed appointments without 24 hours notice will be cause for dismissal from the office and no future appointments will be scheduled.

Do you see both children and adults?
Yes. We treat all ages starting at age 1.

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Do I stay with my child during the visit?

We invite you to stay with your child during the initial examination. During future appointments, we suggest you allow your child to accompany our staff through the dental experience. We can usually establish a closer rapport with your child when you are not present. Our purpose is to gain your child's confidence and overcome apprehension. However, if you choose, you are more than welcome to accompany your child to the treatment room, unless special circumstances prohibit it. For the safety and privacy of all patients, other children who are not being treated should remain in the reception room with a supervising adult.

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Do you do white fillings, root canals, porcelain crowns etc?

We provide a wide range of care and can treat the majority of dental problems for your family. However some conditions are better treated by specialists and we will refer those cases as needed. Some examples would be braces or wisdom tooth removal.

What about finances?

Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and gives your child the best possible care. For patients needing a payment plan option we accept MasterCard, Visa, American Express, and Discover. We also accept Care Credit, a company that offers short and long term financing of healthcare services.

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Our Office Policy Regarding Dental Insurance

We accept almost all insurance carriers. We do not participate with the Chips or Medicaid programs. Insurance benefits can vary greatly as companies may offer several variations of the same policy to their employees. It is best to call in advance of your appointment to determine what your benefits are as insurance carriers can not always be reached immediately.

If we have received all of your insurance information on the day of the appointment, we will be happy to file your claim for you. You must be familiar with your insurance benefits, as we will collect from you the estimated amount insurance is not expected to pay. By law your insurance company is required to pay each claim within 30 days of receipt. We file all insurance electronically, so your insurance company will receive each claim within days of the treatment. You are responsible for any balance on your account after 30 days, whether insurance has paid or not. If you have not paid your balance within 60 days a re-billing fee of 1.5% will be added to your account each month until paid. We will be glad to send a refund to you if your insurance pays us.

PLEASE UNDERSTAND that we file dental insurance as a courtesy to our patients. We do not have a contract with your insurance company, only you do. We are not responsible for how your insurance company handles its claims or for what benefits they pay on a claim. We can only assist you in estimating your portion of the cost of treatment. We at no time guarantee what your insurance will or will not do with each claim. We also can not be responsible for any errors in filing your insurance. Once again, we file claims as a courtesy to you.

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 own 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.

MOST IMPORTANTLY, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.

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General Dentistry - Longview, TX

 

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Pediatric Dentist and General Dentistry Longview, TX 75064  - Dr. Charles McGough(General Dentist) and Dr. K. Renee McGough (Pediatric Dentist). Serving patients in the surrounding cities and areas of Longview, Tyler, Hallsville, Kilgore, Marshall, Henderson, White Oak, Gladewater and Gilmer, Texas.

 

Copyright © 2011 Charles McGough

2392 HG Mosley Pkwy ~ Longview, TX 75604 (903) 758-8770
Copyright © 2011 Charles McGough, D.D.S. and K.Renee McGough, D.D.S.

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