Charles County Surgical Arts

Insurance Coverage

We accept all major PPO plans. If we are out-of-network with your insurance, we still honor PPO contracted rates to ensure you receive the best coverage possible.

Yes, we accept both Medicaid and Medicare. Please contact our office to verify your specific plan and coverage details.

Even if we are out-of-network with your insurance carrier, we honor PPO contracted rates. We will submit claims on your behalf and work with you to maximize your benefits.

Our team will verify your insurance benefits prior to your appointment. We recommend calling your insurance company directly as well to understand your specific coverage, deductibles, and co-insurance amounts.

Coverage varies by insurance plan and procedure. Medically necessary procedures like extractions, biopsies, and pathology are often covered. Cosmetic procedures or elective treatments may not be covered. We will provide a detailed breakdown after verifying your benefits.

A pre-authorization is approval from your insurance company before certain procedures. Some plans require this for surgical procedures. Our office will assist in obtaining pre-authorization if needed.

Yes, your insurance company will send you an EOB after processing your claim. This document explains what was covered, what was applied to your deductible, and what you may owe.

If your claim is denied, our billing team will work with you and your insurance company to appeal the decision. We will provide all necessary documentation to support medical necessity.

Cost Estimates

Cost estimates are provided after an in-person evaluation to ensure accuracy. The estimate will include the procedure cost, any facility fees, and your estimated out-of-pocket responsibility based on your insurance benefits.

Treatment needs vary greatly based on individual circumstances, anatomy, and complexity. An in-person consultation and evaluation, including X-rays if needed, allows us to provide an accurate cost estimate tailored to your specific case.

Factors include the complexity of the procedure, the number of teeth involved, the type of anesthesia required, any additional treatments like bone grafting, and your insurance coverage.

Many insurance plans cover consultation fees, but this depends on your specific plan. We will verify your benefits before your visit.

Yes, X-rays and imaging are separate charges but are typically covered by insurance when medically necessary. Your estimate will include these costs.

Payment Options

We accept cash, credit cards, debit cards, and offer financing through CareCredit and Proceed Finance. These financing options provide flexible payment plans with low or no interest.

Co-insurance payments, deductibles, and any estimated out-of-pocket costs are due at the time of your visit. We will provide a clear estimate before your procedure.

Yes, we partner with CareCredit and Proceed Finance to offer flexible payment plans. These third-party financing options allow you to spread the cost over time with affordable monthly payments.

CareCredit is a healthcare credit card that can be used for medical and dental expenses. It offers special financing options, including no-interest plans if paid within a promotional period. You can apply online or at our office.

Proceed Finance is a patient financing solution that provides flexible payment plans for healthcare expenses. It offers fast approvals and competitive rates to help make your treatment more affordable.

Yes, we can accommodate split payments across multiple credit cards or payment methods if needed.

Please speak with our billing team about any available discounts or special pricing for cash payments.

We understand that healthcare costs can be challenging. Please discuss your financial concerns with our team. We will work with you to explore all available payment options, financing plans, and potential solutions.

Billing & Claims

We submit claims to your insurance company within 1-2 business days after your procedure. Processing times vary by insurance carrier but typically take 2-4 weeks.

Yes, you will receive a bill for any remaining balance after your insurance has processed the claim. This will show what insurance paid and what you owe.

If you believe there is an error on your bill, please contact our billing department immediately. We will review your account and work with you to resolve any discrepancies.

Yes, we can provide an itemized receipt or statement showing all charges, payments, and insurance adjustments. Please request this from our front desk or billing department.

Payment terms will be outlined on your statement. If you need additional time or would like to set up a payment arrangement, please contact our billing department as soon as possible.

Yes, we understand that some procedures result in larger balances. Our billing team can work with you to establish a reasonable payment arrangement based on your financial situation.

Deductibles & Co-Insurance

A deductible is the amount you must pay out-of-pocket before your insurance begins to cover costs. For example, if your deductible is $1,000, you pay the first $1,000 of covered services, then insurance starts paying.

Co-insurance is your share of the costs after meeting your deductible. For example, if your plan has 80/20 co-insurance, your insurance pays 80% and you pay 20% of covered services.

A copay is a fixed amount you pay for specific services, such as office visits or consultations. Copays are typically due at the time of service.

Your insurance card often lists this information, or you can call the customer service number on your card. Our office will also verify your benefits and inform you of your deductible and co-insurance amounts.

Yes, most insurance plans have an annual deductible that resets on January 1st or on your policy anniversary date. Check with your insurance company for your specific plan details.

Additional Financial Information

If unexpected complications arise during your procedure that require additional treatment, we will inform you as soon as possible. We will provide an updated estimate and discuss your options before proceeding, whenever possible.

Yes, we accept HSA and FSA cards as payment methods. Oral surgery procedures are generally considered eligible expenses for these accounts.

Patients without insurance may be eligible for reduced self-pay rates. Please speak with our billing team to discuss pricing options.

We will never turn away a patient in need of emergency care. Please inform our team of your financial situation, and we will work with you to arrange payment after addressing your urgent medical needs.