Financial Policy
Dr. Stewart provides high quality dental treatment to all patients. She informs her patients of the cost of their dental services prior to
the initiation of treatment. For the convenience of patients, payment plans are available.
- We accept Mastercard, Visa, American Express, Discover, Money Orders, Check and Cash. Payment will be collected at each appointment.
- We will provide all patients with a written treatment plan prior to starting treatment. After the treatment plan has been accepted, we would appreciate a financial arrangement be agreed upon.
- For your convenience, payments may be made through our secure online payment portal. A link to the portal is sent to all patients who provide an email address.
- Karen Lee Jones Stewart D.D.S., PLLC, will turn over all balances not paid within 90 days to a collection agency. This can negatively impact your credit score.
- Due to the high costs of some dental services, please investigate your insurance coverage to understand your benefits. Also investigate insurance coverage when you have the option to switch plans. Ultimately, you are responsible for any costs not covered by your insurance.
- Additional fees may be charged for form completion, including disability forms, etc. Fees vary depending on the complexity of the forms. Fees for copies of medical records will be in accordance with the State of Michigan Medical Record Access Act.
- If you fail to keep your appointment without prior notification or fail to give 48 hours notice if you are unable to keep your appointment, you will incur a fee.
Our Dental Insurance Policy
You are fortunate to have dental insurance, whether you've purchased it or your employ has provided it for you. We will go the extra mile to help you maximize your benefits. As a courtesy we will help by filing your insurance forms which will save you considerable time and trouble. We accept payment from most insurance companies, which reduced your immediate out of pocket expense.
Regardless of what we may calculate your insurance company to pay, it is only an estimate. Our estimate is based on limited information obtained from your insurance company. We cannot forecast what they will pay.
Your dental insurance is not designed to pay the entire cost of your treatment, but it intended to help cover a certain portion of the cost. Better terms for dental insurance may be "dental assistance" or "dental benefits." You will be responsible for the total treatment fee.
Please remember, however, that the financial obligation for dental treatment is between you and this office, not between this office and your insurance company.
- We accept most insurances. We will assist our patients in the processing of insurance claims. The patient is always responsible for his/her balance or co-payment.
- PPO Plans - We have agreed to accept the discounted rate from your plan, however, all deductibles, coinsurance and/or copays are your responsibility.
- Co-payments, Co-insurance and Patient Deductibles - All Co-payments, deductibles, share of costs and coinsurances are your responsibility. All copays are collected at the time of service. You will receive a statement for any balances due after insurance payment has been received and payment is expected promptly. Please contact the office immediately if you need to discuss a payment plan.
- No Insurance or Services not Covered by Your Insurance - Patients without dental insurance or patients who have coverage but the services that are not covered by your insurance are expected to pay at the time of service.
