Middletown Smile Center
Mark D. Phillips, DDS
311 N. Breiel Blvd.
Middletown, OH 45042
513-420-1876

  











Financial Arrangements for our
Middletown, Ohio dentist office.

CASH, CHECK or CREDIT CARD

Your payment will be due at time of service. This includes insurance co-payments.

CREDIT CARDS

We accept Visa, Mastercard, Discover and American Express

PAY AS YOU GO

By choosing this option you can determine how much care you want and how soon it is to be completed. This way you can spread treatment, and the resulting fees, over months and in some cases years.
For your comfort, we will arrange to provide the
more needed care first.

OUTSIDE FINANCING

Our office has available financing options through Capital One or Care Credit with 12 to 18 months interest free if approved.

Insurance

We understand the value of your insurance benefits and we will assist you in obtaining your maximum allowable coverage. We will process your claim and estimate your co-payment. Your co-payment is due at the time of service.
If the final payment from your insurance is different from our original estimate, we will either credit your account or send you a bill for the amount due.
Please remember that the final reimbursement by the insurance company is determined via contractual arrangement between the insurance carrier and your employer. Your employer has purchased a specific benefit plan from many dozens or even hundreds of possible combinations. Your company will decide your benefits based on what will fit within their budget. We have no control over any aspect of this arrangement. Thus, our estimates can be inaccurate. An example of this is when an insurance company or employer changes reimbursement guidlines i.e. downcoding bonded tooth colored restorations(white fillings) to silver fillings and providing a decreased insurance benefit.

Insurance FAQ

DO YOU ACCEPT MY INSURANCE?

Our Middletown, Ohio dentist office works with hundreds of insurance companies. We currently accept all private insurance plans that do not require you to select a specific dentist from a list or require our office to accept reduced fees for our services. Currently the only exception to this is Delta Dental.

MY INSURANCE DID NOT PAY, WHY?

We base your portion on our most current data, but there are many factors that can affect this estimate. i.e. if you have seen a specialist, if you have an individual or family deductable that has not been met, or insurance companies that do not notify us of changes to your benefits.
Most insurances will base the amount of benefit on a chart of fees arbitrarily developed. For this reason you may receive a lower percentage of reimbursement from that which is indicated in your plan booklet. For example your plan says it will pay 80%, it may only reflect 80% of the fee arbitrarily determined by the insurance company, and not the actual fee charged by our office.

WILL MY INSURANCE COVER IT?

The dental care that we recommend for you is based on what you want combined with our skill, care and judgement. It is not based on your dental benefit coverage. We do not believe it is in yours or our best interest to compromise treatment due to what your insurance is willing to pay. When we go over your treatment options we talk to you discussing the advantages and disadvantages of proposed treatment. In other words we involve you and not your insurance company in the decesion making process.

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