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At Dental Care of Spokane we accept most dental insurance, payments by cash or check, and we accept Visa, Mastercard, and American Express. We also offer Care Credit to our patients, which provided interest free payment options and extended payment plans. Payment for services at Dental Care of Spokane is due at the time of services. We immediatly file your claims with your insurance company electronically for faster processing. The different types of insurance policies are as follows
Direct reimbursement plans
In direct reimbursement plans, your employer reimburses you directly for all or part of your dental treatment. Usually, all types of treatment are covered, and you can see any Dentist you choose
Preferred Provider Organizations plans
These plans are also called dental health maintenance organizations or HMO’s. In a preferred provider organization, you can choose any dentist, but the plan will pay a higher percentage of the fees if you choose from a specific network of dentists who have agreed to discount their fees in order to be a part of the plan
Capitation plans
In a capitation plan, whether you visit the dentist or not, the plan pays participation dentists as the amount for each patient enrolled in the plan
Indemnity Plans
The most common insurance programs are indemnity or UCR plans. The initials UCR stand for “usual, customary, and reasonable”. In these plans, you may find a dentist of your choice, and the dentist is paid on a traditional fee-for-service basis. You or your employer pays monthly premiums to the insurance company, and then insurance plan pays 50 to 80 percent of their UCR feel, leaving you to pay 20 to 50 percent of the remaining UCR fees, plus any remaining fees that the insurance plan’s UCR fees doesn’t cover. Most people assume insurance companies have gathered statistics and these statistics are the basis for the UCR fees. In most cases, this isn’t true. These UCR fees are usually not representative of local dentist’s fees. They are often fees arbitrarily set by the insurance company. In fact, it is not unusual for the same insurance company to pay different UCR fees to the same dental office, depending on the plan purchased by different employers.
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