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All Posts in Category: Dental Education

Oshkosh Smiles- Dental Payment Options

The team at Oshkosh Smiles Family Dental realizes unforeseen circumstances arise that can make it difficult to pay for dental treatments. This video outlines your dental payment options.

“What payment options do you have for your office?”

At Oshkosh smiles we value our patients and understand that
unforeseen circumstances can happen in your lives. That’s why we are willing to
work with our patients when it comes to payment and financial arrangements.

Most dental offices require payment in full the same day as
your services. Here at Oshkosh smiles we allow patients to pay their balance
within 3 months without penalty. We also understand that this may not be a long
enough payment period for some patients, which is why we also accept care
credit at our office.

“What is care credit?”

Care credit is different from a regular credit card. Care
credit is a zero-interest healthcare credit card specifically used towards your
wellness. A lot of people are “scared” by the term credit card. However, Care
credit only pulls what is considered a “soft” credit score and has little to no
effect on your score. It would be similar to you opening up a new checking
account at a bank.

 Not only is it a zero
percent interest option, but it gives you a longer period of time to pay than a
regular credit card does.  Here at our
office we can give patients 6,12 or 18 months to pay their full balance over
200 dollars without any interest charges.

“Benefits of Care Credit”

Not only can you use you care credit card at our Dental
office, but you can use it at many other businesses as well. Some examples are,
The pharmacist, Dermatologist, Vet, Chiropractor, Eye Doctor, specialists, and
for cosmetic surgery. Best of all, you can use it for every member of your

We appreciate our patients and that is why we want you to be
informed of all of your options when it comes to your dental care. Care credit
is a great option for many of the patients we treat.

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Oshkosh Smiles Dental Insurance

Oshkosh Smiles – Dental Insurance Questions

Do you have questions about dental insurance? You are not alone.

Knowing the benefits of your dental insurance can save time and improve your overall health. By seeing your dentist regularly, you can catch dental problems before they get too serious and require more extensive and expensive procedures.

To help you on your journey toward a healthier smile, we have created a video of the most commonly asked dental insurance questions.

“My Dental Insurance is out of network. Can I still be seen at your office?”

YES! You will still have insurance coverage at our office.  Sometimes the coverage is exactly the same, or a service may be covered, but at a different percentage. For example, an in-network plan may have coverage for a service at 100%, where as an out-of-network provider may have coverage at 80 or 90%.   A lot of our patients choose to stay with us, even though their plan is “Out-of-Network”, because they know the quality of care they are getting is worth the difference!

“What is the difference between Dental and Medical Insurance?”

The biggest difference between Dental and Medical insurance is your deductible. A dental insurance deductible is typically only a $50 or $100 fee that is charged once a benefit year for any services other than preventative. Another difference between dental insurance and medical insurance is the dental maximum. The dental maximum is an allowance that is given to you each benefit year to use towards your dental services, and is a much smaller allowance than a medical maximum.  Although there are differences with dental and health insurance, sometimes we are able to utilize both plans by billing them together when certain services are performed. Some of the services that could be billed under both your medical and dental are biopsies, certain extractions, and TMJ splints. If x-rays and exams are needed due to a medical accident, we also may be able to utilize both your medical and dental benefits.

“Do I need to bring my insurance card with me to my appointments?”

It is very helpful for our office to have a copy of the patient’s insurance card. We are able to help patients best maximize and utilize their benefits each year. We are able to find out their detailed benefits faster, and also able to find out any special benefits the insured might not be aware of. For example, adults being able to have fluoride treatments covered two times per year, and more frequent cleaning appointments covered.

“How often should I come in for dental cleanings?”

A lot of patients don’t know how often to come in for their
routine dental visits, most think it is only every six months. However, some
plans have extra benefits that allow you to come in every 3 months! If a
patient is pregnant, has diabetes, periodontal disease or, or has a suppressed
immune system (which can be cause by a medical conditions or medications you
are taking) they could receive extra benefits which are “hidden” in their plan.
If a patient’s plan has this benefit, we are able to enroll them to receive
extra cleanings and sometimes fluoride treatments.

We encourage you to contact us with any dental insurance questions you may have.

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