DO YOU ACCEPT MY INSURANCE?
For most MAJOR INSURANCE companies, the answer is YES.
That means our office will bill your insurer for the majority of your bill and you-the patient-will pay your deductible
and copayment.
If you have a union-type plan, such as UFT or 1199 or any insurance of unknown reimbursement schedule, you
will pay our office fee and receive reimbursement from your insurance carrier.
I DON'T SEE YOUR NAME LISTED IN MY PLAN BOOKLET. WILL I STILL BE COVERED?
In most cases-yes! Unless you have an HMO or DMO type plan, also called a "closed panel" plan, you may choose to
go to a dentist not in the booklet, or "out-of-network" as it is called. You will be covered in very much the same way as
"in-network" in most cases. The dentists listed in the booklet have agreed to a fee schedule determined by the insurance company.
IF I AM INSURED IS MY DENTAL CARE FULLY COVERED?
Most insurance plans follow the same format.
EXAMS, X-RAYS, CLEANINGS are usually covered for 100% of what each insurance company determines to be reasonable.
FILLINGS are usually covered for 80% of what the insurer feels is reasonable for a silver filling. Since our fillings
are tooth colored bonded resin, you can expect reimbursenet to be approximately 60-70%.
ROOT CANAL coverage is generally 80%.
CROWNS(CAPS) AND POSTS are covered 50% in most cases.
"DEDUCTIBLE"- Each family member will generally need to pay for the first $50 of their care each year.
DR. LAZAROS IS A MET LIFE AND GUARDIAN PREFFERRED DENTIST.
