Financial

Basic Policy and Fees

Dr. Urbanek provides oral and maxillofacial surgery services in the scope of a fee for service practice; this means that payment for services are due in full at the time of treatment. We accept cash, personal checks, cashier’s checks, Visa, MasterCard, and Discover.  Third party financing is also available.

Insurance coverage

In some instances (such as third molar removal or multiple extractions), we may be able to work in conjunction with your insurance carrier for a portion of the surgical fees, provided the carrier will pay an out-of-network provider. We will call to verify your insurance benefits and provide an estimate. If a carrier will not make payment to an out-of-network provider, we will file for patient reimbursement following the surgical procedure.  If your insurance denies payment for any reason, or has not paid the claim within 60 days of filing, you will be responsible for the surgical fees.  A pre-determination will be filed if requested, but be aware that a pre-determination is not a guarantee of benefits.

If a medical carrier is the primary carrier, we will only file for reimbursement of the subscriber; no insurance allowance will be made. When you receive an explanation of benefits from your medical carrier, we will need a copy of that document to file with your dental carrier if you have one.  Ultimately you, the patient, are responsible for all fees not paid by your carrier.

We will file claims for your reimbursement with primary, secondary, and tertiary insurance carriers and follow up on payments to you as necessary.

Medicare

Dr. Urbanek is not a Medicare provider. He has formally opted out. Medicare rarely covers the cost of tooth extractions done to enable the wearing of dentures unless it is related to specific types of cancer treatment. Again, this is rare. If you choose Dr. Urbanek as your provider you will enter a private contract with him and you will not be able to file to Medicare and neither will this office.