Financial Info

No Insurance? No Problem.

At HOV Dentistry, we don't think that a patient should be excluded from dental care because they don't have insurance. We offer a few financing options for our patients as well as a Membership Club for preventative care! Learn more but clicking on the logo above or give us a call at (678) 355-8980.

 

Payment Options

We are here to help you get the dental treatment you need. We offer several options for you to pay for your treatment:

  • Cash or check
  • All major credit cards
  • We offer financing with approved credit via Wells Fargo or Care Credit.

About Dental Insurance

Dental insurance is a great way to help with dental finances. We are more than happy to file those complicated forms and even accept assignment of insurance benefits from your provider to minimize your “out of pocket” costs. Our team of experts always evaluates your specific plan so we can get the maximum reimbursement for your treatment costs.

Unlike medical insurance, dental insurance is used by patients to “aid” in their treatment costs. Dental insurance typically does not fully cover your treatment costs after spending a minimum amount. It only covers a portion of your treatment up to a certain maximum. After your maximum is met, there is no more insurance coverage. It is virtually the complete opposite of medical insurance.

What insurance do you take?

We accept most PPO insurances. Some insurance companies we typically bill include: 

  • Metlife
  • Delta Dental
  • Humana
  • Ameritas
  • Assurant
  • Cigna
  • United Concordia
  • United Health Care
  • Careington
  • Aetna
  • Guardian
  • GEHA
  • Blue Cross Blue Shield
  • Principle
  • Sun Life Financial
  • Dental Health Alliance (DHA)
  • Lincoln Financial

Insurance rules and contracts are constantly changing. If you do not see your particular insurance carrier on the list, please call our Atlanta dentist office today so our team can provide you with the most accurate coverage for your particular plan.

Many patients like to ask: What will my insurance pay?

Insurance companies tell patients they have 80% coverage of a specific procedure. What they don’t tell patients is that this coverage is based on a set of fees the insurance has created. These fees the insurance creates is to save them money, thus holding the patient responsible for the remainder of the balance. Our team does everything they can to estimate the most accurate amount the insurance will cover so you know your obligation before treatment begins. 

However, every plan used in our office has different deductibles, maximums, covered procedures and varying fee schedules. Sometimes we are unable to exactly estimate reimbursements and the insurance pays a little less than we expected. In this case the patient is ultimately responsible for the remaining balance. There are many times the insurance will pay more than we expect. In these cases, we will notify you immediately and give you the option of applying the balance to your account or writing you a check for the overage.

Why doesn’t my insurance cover this procedure?

This is a typical frustration for our patients. What your insurance does or does not cover has been decided by an agreement between your employer and the insurance company. The less they cover means the less your employer has to pay for coverage.There will be cases where Dr. Patel or our team members may recommend a treatment that is not covered by your insurance. This does not make it wrong or unnecessary. Our team’s recommendations come from the extensive training they have undergone to provide you with the best care possible!