Financial Policy O'Malley Dental

Our Office Financial Policy

Thank you for choosing us as your dental health care provider. We believe that all patients deserve the very best dental care we can provide. We also believe that everyone benefits when specific financial arrangements are agreed upon in advance. Please understand that payment of your bill is considered a part of your treatment. The following is a statement of our Financial Policy which we require that you read and sign prior to any treatment. All patients must complete our information and insurance forms before seeing the doctor.

FULL PAYMENT IS DUE AT TIME OF SERVICE.

WE ACCEPT:

  • CASH
  • CHECKS
  • HSA
  • FSA
  • VISA
  • CREDIT & DEBIT CARDS
    • MASTERCARD
    • DISCOVER
    • AMERICAN EXPRESS

WE ALSO ACCEPT:

  • CARECREDIT
  • LENDINGCLUB
  • LENDINGUSA

THESE ARE EXTENDED PAYMENT PLANS WITH PRIOR CREDIT APPROVAL.

Regarding Insurance

O’Malley Dental accepts all dental insurance apart from Medicaid. Any co-payments, deductibles, and any services not covered by your insurance plan are to be paid at the time the service is provided. The balance is your responsibility whether your insurance company pays or not. We cannot bill your insurance unless you bring all insurance information at your initial visit. Your insurance policy is a contract between you and your insurance company. We are not a party to that contract. If your insurance company has not paid your account in full within 45 days, the balance will be automatically transferred to your account. Please be aware some and possibly all of the services provided may be non-covered services and not considered reasonable, usual, and customary under the terms of your dental and/or medical policy.

Usual and Customary Rates

Our practice is committed to providing the best treatment for our patients and we charge what is usual and customary for our area. You are responsible for payment regardless of any insurance company’s arbitrary determination of usual and customary rates.

Adult Patients

Adult patients are responsible for full payment at the time of service. If you are unable to pay at that time, be sure to call in advance of your appointment to make other arrangements.

Minor Patients

The adult accompanying a minor and/or the parents (or guardians) are responsible for full payment at the time of service. For unaccompanied minors, non-emergency treatment will be denied unless charges have been pre-authorized to an approved credit plan, credit card, or payment by cash or check at time of service has been verified.

Payment Plans

O’Malley Dental has partnered with Care Credit, a patient financing company, to offer our patients 0% interest financing for 6 or 12 months with approval. We are also partnered with LendingClub and LendingUSA on behalf of our patients to offer 0% interest financing and long term monthly payment options.

Missed Appointments

Please understand that time is reserved specifically for you on our schedule. Missed or late cancelled appointments affect our ability to offer desired appointment times to all our patients. Therefore, at least two days’ advance notice is required to cancel or reschedule an appointment. Excessive cancellations and no shows will result in termination of our treatment agreement and your dismissal from our office. We reserve the right to charge a $50.00 fee for appointments cancelled/changed less than 2 days prior to the scheduled time or failure to show up for a scheduled appointment. Please help us serve you better by keeping your scheduled appointments.

Billing

All accounts which have not paid the estimated portion of their bill at the time of service will incur a $3.00 billing charge each month until the balance is paid. Balances which are 60 days old or older will incur a monthly 1.5% finance charge which equals an 18% per annum rate. There is also a $30 returned check fee.

Refunds

Refunds for over-payment will be sent after all treatment is completed and insurance has been collected.

Seniors

Our Senior Citizen patients (age 65+) enjoy a 5% courtesy reduction on all services.

Military

In order to give back to those who serve and protect us, our Military patients enjoy a 5% discount on all services.

Collections

Any account that has not received payment in 60 days will be handed over to a collection agency that will pursue the responsible party for reimbursement. This may negatively impact your credit history and limit the treatment you can receive at our office.

Thank you for understanding our financial policy. Please let us know if you have any questions or concerns. We look forward to providing the highest quality dental care in a relaxing and caring atmosphere.