Insurance & Financing

Paying for Your Dental Care
Our goal is to let nothing stand in the way between you and your ideal smile. We are happy to accept American Express, Visa, MasterCard, and Discover, as well as personal checks and cash.

 

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Financial Options
Dr. Rosenfeld has chosen respected third party financing institutions so that our patients can make dental care fit within virtually any budget. If you would like to explore financing options, visit these websites:

NEW!!! East Islip Dental Care's In-House Dental Fee Plan

Contact us about our new discounted fee plan, which offers savings on most services. This is not dental insurance; it is our own dental fee plan that is only good at East Islip Dental Care. You save on everything from cleanings & fillings to cosmetic procedures and crowns. In fact, our affordable plan includes the following services at no charge:

Comprehensive exam (once every six months) X-rays (once every 12 months) Cleaning/Prophylaxis (Once every six months, twice per calendar year) Cosmetic Consultation

You can join our low cost dental plan for a nominal membership fee - starting as low as $17 per month for our individual plan.

All health conditions accepted
You cannot be denied coverage
- No deductibles
- No health questions
- You cannot be singled out for rate increases or cancellations
- Individual, married couple and family plans available

Email or call us today and ask for details. We will be happy to send you a membership application!

Dental Insurance
We accept dental insurance and will file out of network claims. We are in network with some companies and will accept copay or deductible for out of network policies in some situations. Please call our friendly insurance specialists, Ro or Amanda, for more information about your policy.

A note from the American Dental Association about Dental Insurance

Why doesn’t my insurance pay for this?

Helping you to Understand your Dental Insurance Indemnity Plan.

A dental benefit plan helps you pay for the cost of your dental care.

Generally, a dental benefit plan is a contract between your employer, or plan sponsor, and a third party (insurance company). These contracts vary widely.

There are many ways in which dental plans are designed and how reimbursement levels are determined. You need to know how your dental plan is designed – and its limitations.

YOUR DENTAL PLAN IS DESIGNED TO SHARE IN YOUR DENTAL CARE COSTS. IT MAY NOT COVER THE TOTAL COST OF YOUR BILL. MOST PLANS COVER BETWEEN 50 TO 80 PERCENT OF DENTAL SERVICES.

UCR (USUAL, CUSTOMARY AND REASONABLE) – These plans pay an established percentage of the dentist’s fee or pay the plan sponsor’s “customary” or “reasonable” fee limit, whichever is less. They may not reflect the fees that area dentists charge. If your bill notes that the fee your dentist charged you is higher than the reimbursement level of the UCR, this does not mean your dentist is overcharging you. WHY? There is no regulation as to how insurance companies determine reimbursement levels, resulting in wide fluctuation.

ANNUAL MAXIMUMS – Your plan purchaser makes the final decision on “maximum levels” of reimbursement through the contract with the insurance company. The maximum levels of insurance reimbursements have remained the same since the late 1960’s.

PREFERRED PROVIDERS – Your plan may want you to choose your dental care from a list of their preferred providers. Whether or not you choose your dental care from this defined group can affect your levels of reimbursement.

LEAST EXPENSIVE ALTERNATIVE TREATMENT – Your dental plan may only allow benefits for the least expensive treatment. For example, your dentist may recommend a crown, but your insurance may only offer reimbursement for a large filling. As with other choices in life, the least expensive alternative is not always the best option.

PREEXISTING CONDITIONS – Your dental plan may not cover conditions that existed before you enrolled in the plan. Even though your plan may not cover certain conditions, treatment may still be necessary.

TREATMENT EXCLUSIONS – Your dental plan may not cover certain procedures, or preventative treatments such as sealants that can save you money later. This does not mean these treatments are unnecessary. Your dentist can help you decide what type of treatment is best for you.

IF YOU HAVE QUESTIONS REGARDING YOUR DENTAL PLAN, OR A PROBLEM WITH A REIMBURSEMENT LEVEL, CONTACT YOUR EMPLOYER OR INSURANCE COMPANY.

© 2001, American Dental Association, All Rights Reserved, Printed in the U.S.A.