Dental Financing Options in St. Louis
West County Dental is committed to providing the St. Louis community with
the best family dental care in the most affordable and timely manner.
Our fees our determined by the amount of time spent, the high quality
materials used, and the precise laboratory work that may be involved.
Every effort is made to keep down the cost of your dental care. You can
help us by paying for your care at the time of your visit. If treatment
will require several visits, you will be given an estimate and asked to
make specific payment arrangements.
Please understand that filing insurance claims is a courtesy that we extend
to our patients. And although you have insurance coverage, you are responsible
for the payment of your account. We will estimate your insurance co-payment
at the time of your appointment and require payment of that amount at
the time services are rendered. For your convenience, we offer several
Credit card: we accept Mastercard and Visa & Discover
Financing: offering 12 month interest-free payment plans.
Offering 1 year 0% for general treatment and for
We will be happy to assist you in the processing of your insurance claims.
We strive to help you receive your maximum benefits under your policy,
but please remember that the relationship is between you and your insurance
company, and you are ultimately responsible for payment. We are not responsible
for how your company handles its claims or for what benefits they pay
on a claim.
Common Questions About Insurance:
Do you take my insurance?
If you belong to a traditional insurance plan (sometimes called an indemnity
plan) we can assist you by filing your insurance claim. Traditional dental
insurance is typically one in which you can choose any dentist you desire.
If you are not sure what type of plan you have, call us, we will be happy to help.
Why doesn't my insurance cover the cost of my dental treatment?
Dental insurance isn't really insurance (defined as a payment to cover
the cost of a loss) at all. It is actually a benefit, typically provided
by an employer, that helps employees pay for routine dental treatment.
The employer usually buys the plan based on the amount of the benefit
and how much the premium costs per month. Most benefit plans are only
designed to cover a portion of the total cost of treatment.
Dental insurance benefits differ greatly from general health insurance
benefits. In 1971, dental insurance benefits were approximately $1000
per year. Figuring a 6% rate of inflation a patient should be receiving
$4,549 per year in dental benefits. Premiums have increased, but benefits
have not. Dental insurance is never a pay-all, it is only an aid. The
patient gets back only what the employer puts in, less the profits of
the insurance company. Remember, the goal of the insurance companies is
NOT to help the patient obtain the best quality dentistry. Their mission
is to garner profit for the insurance company stockholders.
But my plan says that my exams and certain other procedures are covered
That 100 percent generally refers to what the insurance carrier allows
as payment towards the procedure, not what West County Dental or any other
dentist in the St. Louis area may actually charge for that service.
I received an Explanation of Benefits from my insurance carrier that says
my dental bill exceeded the "usual and customary". Does this
mean that the dentist is charging more than he should?
Many carriers refer to their allowed payments as UCR, which stands for
"usual, customary, and reasonable". However, this does not mean
exactly what it seems to mean. UCR is actually a listing of payments for
treatment negotiated by your employer and the insurance company. The payment
listing is related to the cost of the premiums and the geographical area
where you live. An insurance company surveys the geographical area, calculates
an average fee, takes 80% of that fee and considers it customary. Included
in this survey are discount clinics and managed-care facilities, which
bring down the average. In almost all cases, the UCR payments are usually
less - and frequently much less - than what any fee-for-service private
practice dentist in the St. Louis area may actually charge for these dental