PATIENTS WITH INSURANCE – Your insurance policy is a contract between you and your insurance company. As a courtesy, we will assist in gathering and helping you understand your insurance information, and we will submit your insurance claim(s) on your behalf. INSURANCE IS NOT A GUARANTEE OF PAYMENT, IS SUBJECT TO CHANGE, AND OFTEN COVERS A PORTION OF FEES. Estimated patient portions and unmet deductible amounts are due at time of service and may be paid with cash, check, or credit card. After insurance claims are processed, any remaining balance is your responsibility. Irvington Dental is not responsible for incorrect information provided by your insurance company such as but not limited to omitted information, incorrect eligibility and termination dates, waiting periods, frequency limitations, maximum amount(s), deductible amount(s), downgraded or fall under the least expensive alternate treatment etc.
CARVE-OUT RULE – For patients with primary and secondary insurance, the secondary insurance may apply a carve-out rule when processing insurance claims. If the secondary insurance pays the same as or less than the primary insurance, the secondary insurance may pay ZERO.
PATIENTS WITHOUT INSURANCE – Full payment is due at time of service with cash, check if amount is no more than $150, or credit card.
SERVICE CHARGES – If the account balance is not paid within 30 days, a 1.5% service charge of the entire balance will be applied. If the account balance has still not been paid within 60 days, an additional 1.5% service charge of the entire balance will be applied.
COLLECTIONS – For patients with insurance, account balances not paid within 90 days of the final insurance payment will be sent to our collection agency and reported to all credit bureaus. For patients without insurance, account balances not paid within 90 days of the last date of service will be sent to our collection agency and reported to all credit bureaus. Patients reported to our collection agency are not welcome to reactivate.
RETURNED CHECK FEE - $25.00 will be added to your account balance if a check is returned from your bank as non-sufficient funds.
FINANCE OPTIONS – CARE CREDIT, GREEN SKY, LENDING CLUB – 6, 12, 18 months, no interest if paid in full within promotional period; 24, 36, 48, 60, 72, 84 months. Refer to the third-party finance brochure for more details.
DENTAL SAVINGS PLAN – Our savings plan helps adult patients pay for exams, prophylaxis (routine hygiene), periodontal maintenance, x-rays, and oral cancer screenings. A discount applies to dental treatment (doctor procedures). Refer to our Dental Savings Plan Agreement for more details.