Understanding dental insurance and billing can be a daunting task for many patients. At BAF Dental, our billing manager, Susan, plays a crucial role in ensuring that patients have a smooth and transparent experience when it comes to managing their dental costs.
We spoke with the billing manager to learn more about her role, the billing process, and tips for patients to make the process as seamless as possible.
The Role of a Billing Manager
The billing manager at BAF Dental oversees a variety of essential tasks, including verifying insurance coverage, handling accounts receivable, submitting insurance claims, filing appeals, and obtaining prior authorizations. She also ensures that any necessary attachments and narratives are sent to insurance companies to help expedite claim approvals on behalf of patients.
The Insurance Process: What Patients Can Expect
BAF Dental is in-network with most insurance providers. Before an appointment, Susan will inform patients of any expected out-of-pocket costs to avoid unexpected bills. Since each insurance plan has unique coverage details, the billing manager reviews each patient’s specific plan to ensure accurate information.
“For example, even if five people work for the state of Colorado, each of them could have different coverage depending on their specific plan,” explained the billing manager.
This is why it’s crucial for Susan to have access to insurance information as early in the process as possible.
Payment Options for Out-of-Pocket Costs
If a patient’s insurance doesn’t fully cover their treatment, BAF Dental offers several payment options to help manage costs. One option we have for patients is to split payments into three interest-free monthly installments. For those needing more extended payment terms, we partner with Cherry and CareCredit, two third-party financing options.
- Cherry offers a loan that doesn’t appear as outstanding debt on credit reports unless a payment is missed. Once the loan is paid off, it’s closed.
- CareCredit functions as a revolving credit line. If approved, for example, for a $5,000 limit, patients can continue using the credit line as long as they make payments.
Additionally, patients without insurance can benefit from BAF Dental’s Loyalty Plan. For $399 per year, this plan includes two cleanings, two exams, all preventative X-rays, and 20% off any additional treatments.
Common Billing Challenges and Solutions
One of the most common challenges patients face is misunderstanding their insurance coverage.
“Many patients are surprised by what their insurance does not cover,” noted Susan. “We always work with patients to find the best options, whether that’s choosing a different plan or managing out-of-pocket costs.”
If a patient cannot afford the estimated cost of treatment, they can reschedule their appointment or explore financing options like Cherry or CareCredit.
Tips for Understanding Dental Insurance and Billing
The billing manager shared several tips to help patients better navigate their dental insurance and billing:
- Compare Insurance Policies Carefully: When selecting a dental insurance plan, weigh the monthly premium against the potential benefits. In some cases, patients may save more by paying out-of-pocket instead of paying high premiums.
- Use Online Tools: Many major insurance companies, such as Delta Dental, offer online portals with plan options and quotes. Patients can compare different plans and select the one that best fits their needs.
- Watch Out for Waiting Periods: Some insurance plans have waiting periods of six to twelve months before covering anything beyond preventative care.
- Be Aware of the Missing Tooth Clause: This clause can impact coverage for restorative treatments like dental implants, particularly if a patient switches insurance providers.
A Passion for Helping Patients
When asked what drew her to dental billing, Susan says she enjoys helping patients achieve their dental and aesthetic goals while demystifying the complexities of insurance coverage. “It’s rewarding to help people understand something that often isn’t explained to them when they first get insurance,” she shared.
Final Advice for a Smoother Billing Process
To make the billing process as smooth as possible, patients should:
- Review their insurance plan’s waiting periods and clauses.
- Contact their insurance provider or the BAF Dental billing team for clarification.
- Explore alternative payment options if their insurance doesn’t fully cover their treatment.
Conclusion
Our billing manager is committed to providing exceptional support to all patients. They take the time to help patients fully understand their dental benefits and coverage options, guiding them through any complexities with ease. The team’s goal is to make managing your dental expenses easy and stress-free, so you can focus on keeping your smile healthy.
Whether you have questions about your insurance plan, need help with processing claims, or require clarity on any billing matters, we are well-equipped and eager to assist. For additional information, including details about the services we offer and how we can assist you with your dental care needs, contact our office directly today!