JUSTIN SETTLE DMD
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Office Policies
Hygiene
Healthy Smile Tips
Office Staff
Wm Lawler
618-997-6405
1129 N. Carbon
Marion, IL
Office Policies
Office Hours
Monday, Tuesday & Wednesday 7:30am to 4:00pm
Thursday 7:30am to 12:00pm
Closed on Fridays
Rescheduling Appointments
We respect your valuable time and in return, we ask you do the same. Your appointment is scheduled exclusively for you. We understand, however, that sometimes unavoidable or sudden scheduling conflicts occur. We will allow one rescheduled appointment with 24-hour notice. The second rescheduled appointment we reserve the right to charge your account the full amount due for that appointment. If there are numerous appointments rescheduled, we may ask for a credit card to hold the appointment for you. To "Guarantee" the appointment. You may opt to be put on a quick call list, in the event that we have same-day openings.
Delta Dental
Effective December 1, 2009, we will be a participating provider for Delta Dental PPO and Delta Premier plans. However, we will not be participating with Delta Care. Please see your benefits booklet or call the Customer Service telephone number on the back of your insurance card to determine which plan you are on.
We are not a participating provider with any other insurance companies.
Financial Policies
Full payment is requested at the time services are rendered. Patients with dental insurance are required to pay their patient portion upon arrival. Please be aware that any amounts not covered by your insurance are your responsibility. For your convenience we accept: cash, check, money orders, cashiers checks and credit cards including: Visa, Mastercard, Discover and American Express.
Financing
For patients who need financial assistance, we work with a company called Care Credit (www.carecredit.com). They offer interest free financing for 3, 6, and even 12 months. They also offer extended payment plans for up to 60 months. You may contact them directly at their website at www.carecredit.com or by phone at 1-800-365-8295. If you would prefer, contact our office and we would be happy to assist you with this process. We can even get you preapproved over the phone. Even if you don't have an appointment and would like to see if you qualify, give us a call. We'll be happy to assist you.
Monday, Tuesday & Wednesday 7:30am to 4:00pm
Thursday 7:30am to 12:00pm
Closed on Fridays
Rescheduling Appointments
We respect your valuable time and in return, we ask you do the same. Your appointment is scheduled exclusively for you. We understand, however, that sometimes unavoidable or sudden scheduling conflicts occur. We will allow one rescheduled appointment with 24-hour notice. The second rescheduled appointment we reserve the right to charge your account the full amount due for that appointment. If there are numerous appointments rescheduled, we may ask for a credit card to hold the appointment for you. To "Guarantee" the appointment. You may opt to be put on a quick call list, in the event that we have same-day openings.
Delta Dental
Effective December 1, 2009, we will be a participating provider for Delta Dental PPO and Delta Premier plans. However, we will not be participating with Delta Care. Please see your benefits booklet or call the Customer Service telephone number on the back of your insurance card to determine which plan you are on.
We are not a participating provider with any other insurance companies.
Financial Policies
Full payment is requested at the time services are rendered. Patients with dental insurance are required to pay their patient portion upon arrival. Please be aware that any amounts not covered by your insurance are your responsibility. For your convenience we accept: cash, check, money orders, cashiers checks and credit cards including: Visa, Mastercard, Discover and American Express.
Financing
For patients who need financial assistance, we work with a company called Care Credit (www.carecredit.com). They offer interest free financing for 3, 6, and even 12 months. They also offer extended payment plans for up to 60 months. You may contact them directly at their website at www.carecredit.com or by phone at 1-800-365-8295. If you would prefer, contact our office and we would be happy to assist you with this process. We can even get you preapproved over the phone. Even if you don't have an appointment and would like to see if you qualify, give us a call. We'll be happy to assist you.
Dental Insurance
Facts About Dental Insurance
Dental insurance is a contract between your employer and insurance company to partially pay for some services. It exists to help cover the costs; it was never intended to cover all costs. There are deductibles and some services that are paid at 50 to 80% and some that aren't covered at all. The type of coverage depends on how much your employer is willing to pay for it. The higher the premium paid by the employer, the better your coverage. Many dental services are covered a specific number of times in a year (for example, cleaning appointments may be covered only once every six months.)
Will you bill my insurance?
We will help you maximize your insurance benefits and as a courtesy, we will fill out your claim forms and bill the primary insurance company. We do require that you pay your patient portion at the time of service. As stated above, once your insurance pays, any amounts that are not covered are your responsibility.
Do you accept my insurance? How much will my insurance pay?
We accept most insurance plans that don't require you to select a dentist from a list (managed care dentist)
Each insurance company sets their own arbitrary fee for each dental procedure based on the dental offices' zip code. They call these fees "usual and customary". The insurance companies establish artifically low fees in an effort to avoid paying out. Some insurance companies tell their clietns that "fees are above the usual and customary", rather than saying their their "benefits are too low". Most insurance companies haven't changed their pay out fees since the 1970s. In our office we don't view our patients as "usual and customary", but as quailty people who we expect quality dentistry.
As we recieve payments from dental insurance, we save the payment information to assist us in quoting future patient portions. However, in some cases the insurance companies withhold their payment information from the dental offices. Thus, sometimes it is impossible for us to give you an exact quote on what they will reimburse. We can only estimate your patient portion based on the most up-to-date information we have.
Delta Dental
Patients that have insurance through Delta Dental, we require payment in full on the date of service. Delta Dental will only send payment to the subscriber, directly to the home address. As a courtesy to you, we will submit to your insurance for your reimbursement. You can expect to receive payment within two to three weeks
Will you join my insurance?
Every dentist is solicited numerous times a year to join managed care plans. The only requirement to join is that the doctor agrees to reduce their fees by 40 to 60%. In order to make up for lost revenues, the office (or corporation they serve) must cut corners. This can be done by cramming more patients into their schedule; or using the cheapest materials, laboratories or even sterilization procedures. Any way you look at it the patient is the net loser.
Sacrificing quality, service and personal attention is not exceptional customer service. Interestingly, we have found that office which are enrolled in these programs either have difficulty retaining their doctors and staff or the office only stays in the program for a short while.
How much do you charge?
Our fees are set by the actual cost of doing business. We take into consideration the quality of materials used, the laboratory costs, the quality of our team members and many other factors. The truth is you would be surprised at the lengths we go to in order to keep costs down while maintaining a high level of service. We have never tried to be a dental office for everyone. We have never tried to be the cheapest because there is standard of quality we will not go below. You never save money buying cheaper materials because they don't last as long and the patient ends up returning in a few years because the crown has failed.
Please do not hesitate to ask any queations about our office policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have any questions regarding our services and/or fees. As a courtesy, we will fill out and file insurance forms for you at no charge. We will do all we can to assure you of maximum benefits, but bear in mind that the insurance company is responsible to you and you are responsible to us for your account. We cannot render service on the assumption that the charges will be paid by the insurance company. Thank you for understanding.
Dental insurance is a contract between your employer and insurance company to partially pay for some services. It exists to help cover the costs; it was never intended to cover all costs. There are deductibles and some services that are paid at 50 to 80% and some that aren't covered at all. The type of coverage depends on how much your employer is willing to pay for it. The higher the premium paid by the employer, the better your coverage. Many dental services are covered a specific number of times in a year (for example, cleaning appointments may be covered only once every six months.)
Will you bill my insurance?
We will help you maximize your insurance benefits and as a courtesy, we will fill out your claim forms and bill the primary insurance company. We do require that you pay your patient portion at the time of service. As stated above, once your insurance pays, any amounts that are not covered are your responsibility.
Do you accept my insurance? How much will my insurance pay?
We accept most insurance plans that don't require you to select a dentist from a list (managed care dentist)
Each insurance company sets their own arbitrary fee for each dental procedure based on the dental offices' zip code. They call these fees "usual and customary". The insurance companies establish artifically low fees in an effort to avoid paying out. Some insurance companies tell their clietns that "fees are above the usual and customary", rather than saying their their "benefits are too low". Most insurance companies haven't changed their pay out fees since the 1970s. In our office we don't view our patients as "usual and customary", but as quailty people who we expect quality dentistry.
As we recieve payments from dental insurance, we save the payment information to assist us in quoting future patient portions. However, in some cases the insurance companies withhold their payment information from the dental offices. Thus, sometimes it is impossible for us to give you an exact quote on what they will reimburse. We can only estimate your patient portion based on the most up-to-date information we have.
Delta Dental
Patients that have insurance through Delta Dental, we require payment in full on the date of service. Delta Dental will only send payment to the subscriber, directly to the home address. As a courtesy to you, we will submit to your insurance for your reimbursement. You can expect to receive payment within two to three weeks
Will you join my insurance?
Every dentist is solicited numerous times a year to join managed care plans. The only requirement to join is that the doctor agrees to reduce their fees by 40 to 60%. In order to make up for lost revenues, the office (or corporation they serve) must cut corners. This can be done by cramming more patients into their schedule; or using the cheapest materials, laboratories or even sterilization procedures. Any way you look at it the patient is the net loser.
Sacrificing quality, service and personal attention is not exceptional customer service. Interestingly, we have found that office which are enrolled in these programs either have difficulty retaining their doctors and staff or the office only stays in the program for a short while.
How much do you charge?
Our fees are set by the actual cost of doing business. We take into consideration the quality of materials used, the laboratory costs, the quality of our team members and many other factors. The truth is you would be surprised at the lengths we go to in order to keep costs down while maintaining a high level of service. We have never tried to be a dental office for everyone. We have never tried to be the cheapest because there is standard of quality we will not go below. You never save money buying cheaper materials because they don't last as long and the patient ends up returning in a few years because the crown has failed.
Please do not hesitate to ask any queations about our office policies. We want you to be comfortable in dealing with these matters and we urge you to consult us if you have any questions regarding our services and/or fees. As a courtesy, we will fill out and file insurance forms for you at no charge. We will do all we can to assure you of maximum benefits, but bear in mind that the insurance company is responsible to you and you are responsible to us for your account. We cannot render service on the assumption that the charges will be paid by the insurance company. Thank you for understanding.
