Financing Options
We believe our patients should have affordable access to cosmetic and wellness procedures and products. Everyone deserves to feel great and confident about themselves and their appearance. We offer financing options and payment plans so that you can afford the best treatments and services.
CareCredit is a company that provides patients with credit for their elective procedures, offering short-term, 0% interest payment plans and low-interest, extended payment plans. CareCredit has no up-front costs, no fees and no pre-payment penalties.
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Flex Spending Plans: Flexible spending plans can be used to cover the costs of vision correction. Talk to your employer about setting aside money for you to put toward the costs of your surgery. It is a good idea to find out if you are a candidate before making such an election. We offer a Free Screening to make sure you are a candidate and to get a better idea of how much to set aside. Also, take a look at our Flex Spending Q&A. Tax Deductions: The IRS has declared laser eye surgery to be a valid medical expense, thus making it tax deductible. Vision Insurance: Some vision plans will cover some or all aspects of your laser eye surgery. Vance Thompson Vision can explore specific coverage options for you. Contact our office for details.
Text to Apply
Any patient interested in applying for the Wells Fargo Health Advantage credit card program can send the word "apply" as a text message from their own electronic device.
- The patient sends the word "apply" to 49854
- A text message will be received including the link for the patient to select that will open a web browser to learn more about the program and apply.
- Patient must have a valid email address to consent to recieve the terms and conditions (including Privacy Notice).
- The patient will need to select which of the four WFHA health segments they are applying for.
- Once the application has been completed and signed electronically. a credit decision will be displayed.
- Message and data rates may apply.
FACTS YOU SHOULD KNOW ABOUT DENTAL INSURANCE
FACT #1
Your dental insurance is based upon a contract made between your employer and an insurance company. We are not a party to that contract. Therefore, should questions arise regarding your dental insurance benefits, it is best for you to contact your employer's human resource department or insurance company directly. It is their responsibility to make sure you know what your plan entails. They will provide you with a benefit summary and plan benefits booklet. It may either be a paper copy, or there will be a detailed website so you can access your plan.
FACT #2
Dental insurance benefits differ greatly from medical insurance benefits. Most dental insurance plans offer a maximum benefit of $1,000 per calendar year. (This incidentally, is the same average amount of dental benefit provided 20 years ago.) **Therefore, dental insurance is never a pay-all -- it is only an aid.
FACT #3
You may receive notification from your insurance company stating that our dental fees are "higher than usual and customary." An insurance company surveys a geographic area, calculates an average fee, and then takes 50-80% of that fee and considers it customary. Included in this survey are discount dental clinics and managed health care facilities which bring down the average. Any doctor in private practice will have fees that insurance companies define as higher than "usual and customary." Exceeding your plan's customary fee does not mean your dentist has overcharged for the procedure.
FACT #4
Many plans tell their participants that they will be covered "up to 80% or up to 100%" but do not clearly specify plan fee schedule allowances, annual maximums or limitations. It is more realistic to expect dental insurance to cover 35% to 65% of major services. Remember, the amount a plan pays is determined by how much the employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.
FACT #5
Many routine dental services are NOT covered by insurance companies. Treatment decisions must be made by you and your dentist. While dental benefit coverage should be taken into account, it should not be the deciding factor in your choice of treatment.
Please call our office with any questions you may have about your plan. We are here to help you maximize your benefits and ensure your claims are processed and submitted in a timely matter.
