Patient Financing

Paying for Dentistry

Below you will find all of our payment options and financial policy.  After reading this, if you have have further questions, please give us a call and we will be happy to assist you.

Payment Options

The Bluebonnet Dental Care team will work with you to make payment arrangements best suited to your needs.

We offer a variety of payment options and accept most insurance plans, including:

  1. Cash and Major Credit Cards
  2. Dental Insurance Filed on your Behalf
  3. Financing Options

Financing Options

care credit dental financingAt Bluebonnet Dental Care, we believe that nothing should come between you and a great smile. That’s why we offer CareCredit as convenient financing source for dental treatment. CareCredit provides interest free, monthly payment plans and makes the dental care you need more affordable. You can get qualified in our office or online via the link below.


 

Financial Policies

Bluebonnet Dental Care is committed to providing all patients with exceptional service and care. If you feel you have an issue that cannot be resolved by your Sensible Dental office team, please call our Patient Satisfaction Hotline at 1-888-500-0012.  We will respond to you as quickly as possible, but always within two business days from your initial contact with us. We are committed to your complete satisfaction and we look forward to resolving any patient satisfaction issues quickly and courteously.

I. Treatment Plan Estimates

Bluebonnet Dental Care prepares a Treatment Plan Estimate so that patients can understand the estimated costs of their recommended treatment prior to its start.  The Treatment Plan Estimate is a good-faith attempt to predict the cost of your treatment based on the facts known to Bluebonnet Dental Care when the estimate is made.  As your treatment progresses, your dentist may determine in consultation with you that different or additional treatment is necessary and your financial responsibility may change.

If you have dental insurance, it is important to understand that your actual insurance benefits may differ from the benefits estimated in your Treatment Plan Estimate. Your Treatment Plan Estimate of insurance benefits is based on information provided by your insurance company and by you.  It is an estimate and your insurance benefits may be higher or lower than estimated.  In all cases, you are responsible for amounts not covered by your insurance, unless prohibited by law or contractual agreement.

In all cases, we encourage all patients with insurance to refer to their member handbooks or to call their plan administrators with any questions or concerns relating to specific benefits.

II. Predetermination of Insurance Benefits

If you have insurance benefits, you may have the option to seek a Predetermination of Benefits before you proceed with any treatment.

Predetermination of Benefits is a process whereby your insurance company or plan administrator tells you in advance of treatment what procedures may be covered by your insurance plan, the amount the insurance company may pay toward those procedures, and the amount you may be required to pay.  Requesting a predetermination is like submitting a claim before the dental procedure or service has taken place.

Because the Predetermination comes directly from your insurer or plan administrator, the risk of error as toyour coverage is reduced.  If your treatment includes extensive or complex services, such as bridges, crowns, dentures or periodontal work, a Predetermination may be particularly helpful to allow you to appropriately budget for the services or discuss any potential alternative treatment that may be available, if necessary.

The Predetermination of Benefits process gives you useful information about what services may be covered. However, your insurer will inform you that a Predetermination of Benefits is not a guarantee of coverage. A Predetermination sets forth your expected benefits based on the information available to the insurer at the time the Predetermination is prepared. The Predetermination may not consider, for example, a prior claim submitted by another dentist for services provided to you, changes in your coverage that occur after the Predetermination is made but before the services actually are provided, or the insurance company’s subsequent opinion that a condition could have been treated by a less costly alternative to the service provided by your dentist.

The time it takes to receive a Predetermination from your insurance company or plan administrator can vary, from as few as two weeks to as many as eight weeks. The decision to seek a Predetermination of Benefits or to proceed with treatment immediately is your own, unless your plan requires otherwise.  Please inform your treatment coordinator if you would like a predetermination sent to your insurance.

III. Payment Policy

In all cases, Bluebonnet Dental Care patients agree to the following payment policies:

  • Payment in full of the estimated patient portion of the fees is due no later than when services are rendered.

  • For comprehensive treatment plans requiring multiple office visits, Bluebonnet Dental Care requires a minimum deposit of 60% of the total estimated patient portion of the fees at the start of treatment.

  • Patients are always responsible for amounts not covered by insurance, regardless of whether the original estimate included an expected insurance benefit, unless prohibited by law, or unless Bluebonnet Dental Care has a contractual agreement with my plan prohibiting all or a portion of such charges.

  • Patients may, at their discretion, elect to pay in full, in advance for comprehensive treatment plans. Refunds for unused credit balances will be issued pursuant to Bluebonnet Dental Care’s refund policy as stipulated in section IV, below.

IV. Refund Policy

You may discontinue treatment and request a refund from Bluebonnet Dental Care at any time.  Sensible Dental will refund any amount paid for treatment that you did not receive, except when Bluebonnet Dental Care’s policy for Interrupted Services, set forth in section VI, applies

All Refunds will be processed back to the original form of payment, except cash payments will be refunded by check.

In all cases, credit balances existing on accounts after 180 days of inactivity will be refunded through the original form of payment, except that cash payments will be refunded by check, and account holders will be sent a letter notifying them of the refund.

How to Request a Refund

  • Contact your local office and request a refund

  • Email refund request to:    Rena@bluebonnetdentalcare.com

  • Mail refund request to:      Bluebonnet Dental Care Management, Inc.

                                                           Attn: Refund Processing

                                                           4451 Bluebonnet Blvd. Ste, F

                                                           Baton Rouge, LA 70809

All Refunds will be processed back to the original form of payment, except cash payments will be refunded by check.

Cash or Check Payment Refunds

Account Holder Refund Request – Upon receipt of a request for a refund, Bluebonnet Dental Care will confirm all payments by check have cleared the bank (may take up to 15 business days).  Once the credit balance is confirmed, Bluebonnet Dental Care will issue a refund check within 10 business days.

Account Inactivity Automatic Refund – If an account is inactive for 21 days with no scheduled appointments, Bluebonnet Dental Care will inform the account holder in writing that they may request a refund of a credit balance.

Major Credit Card Refunds

Any refund of payment originated through a credit card company must be refunded to the originating credit card account. Please contact your credit card company for more information regarding their refund policy.

  • Account Holder Refund Request – Bluebonnet Dental Care will issue credit card refunds within 3 business days. It may take up to 7 business days for the credit card company to post the payment to the cardholder’s account.

  • 21 Day Automatic Refund of Patient Deposit with No Account Activity / No Scheduled Future Appointment – Bluebonnet Dental Care will automatically refund outstanding credit balances to the originating credit card holder’s account. A letter is sent by Bluebonnet Dental Care to the account holder detailing the refund.

Third Party Lender Refunds

Any refund of payment originated through third party lenders must be refunded to the original account.  Please contact the third party lender for more information regarding their refund policy as processing of refunds may not be reflected on an account for up to 2 billing cycles.

  • Account Holder Refund Request – Bluebonnet Dental Care will issue third party lender refunds within 30 business days.

  • 21 Day Automatic Refund of Patient Deposit with No Activity/No Scheduled Future Appointments – Bluebonnet Dental Care will automatically refund the outstanding credit balance to the original third party lender account. A letter is sent by Bluebonnet Dental Care to the account holder detailing the refund.

V. Patients with Dental Insurance

Patients with insurance agree to Bluebonnet Dental Care’s Payment Policy, as stated above, subject to the following:

  • In Network: If Bluebonnet Dental Care is a participating provider in your plan network, your insurer may impose requirements on Bluebonnet Dental Care that affect your financial responsibility for treatment. For example, Bluebonnet Dental Care may be required to receive approval from you in advance of treatment for non-covered services or may charge you only your co-payment at the time covered services are provided. In all cases, Bluebonnet Dental Care will bill you pursuant to the terms of its agreement with your insurer.

  • Out of Network: Even if Bluebonnet Dental Care is not a participating or in-network provider with your insurance plan, we will reduce your payment or deposit by your estimated insurance benefit if you assign the benefits to Bluebonnet Dental Care. If the insurance plan will not pay benefits directly to Bluebonnet Dental Care, you will bear full financial responsibility for your treatment plan, according to our payment policy.

VI. Treatment Cancellation and Interrupted Services Charges

Patients requiring crown or bridge services may cancel treatment with no charge prior to natural teeth being prepared or altered for the prosthetic. Once tooth preparation occurs, patients are liable for the estimated full cost of the services even if they choose not to complete treatment.

VII. Accepted Forms of Payment

Bluebonnet Dental Care accepts cash, personal checks, Visa®, MasterCard®, American Express®, Discover®, assigned insurance benefits and approved third-party financing.

VIII. Third-Party Financing

Bluebonnet Dental Care offers treatment financing through non-affiliated, third-party lenders (such as CareCredit / GE Money/ Spingstone Plan). Bluebonnet Dental Care pays these companies fees on a sliding scale for making loans available to patients and for the lender’s cost of servicing these loans. As the aggregate amount of care financed through these lenders increases, the fees they charge Bluebonnet Dental Care decrease. This sliding scale pricing arrangement does not affect your loan amount or the cost of your treatment.

Based on the approved credit limit determined by the third party lender, the patient may elect to make full or partial payment when treatment is started and is obligated to make payment arrangements for any remaining balance prior to completing treatment.

IX.  DENTAL TREATMENT GUARANTEE

Dental Treatment will be guaranteed in our office as follows:

  • First year dental treatment will be covered at 100%

  • Second year dental treatment will be covered 100% minus the lab cost. The patient will pay all lab fees at time of service

  • Third year dental treatment will be covered at 50%. Patient will pay all fees at time of service.

Implants (only the product) 10 years

No warranty on failed implants

The patients responsibility to maintain warranty:

  • Patient must appropriately clean their teeth

  • Patient visit us EVERY six months for regular cleanings, and check ups

  • With +/- 1 month deviation patients accept and have done the advised treatments to keep up the good state (e.g tartar removal

If for any reason stated above the patient is non-compliant all warranty work is null and void.

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