- To keep us informed of any insurance changes such as policy name, insurance company address or a change of employment.
- We file dental insurance as a courtesy to our patients. We do not have a contract with your insurance company, only you do.
- We can assist you in estimating your portion of the cost of treatment, but we at no time guarantee what your insurance will or will not do with each claim.
If you have any questions regarding payment, insurance, or billing, don’t hesitate to call the office during regular office hours at (406) 541-7334.
Insurance and Billing FAQ:
Will insurance pay 100% of all procedures?
No. Dental insurance is meant to be an aid in receiving dental care. Many patients think that their insurance pays 90%-100% of all dental fees. This is not true. As a general rule, the majority of insurance plans that we encounter in MT cover 100% of preventative care and between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company. We are happy to research your plan for you prior to performing treatment on your child.
How are payment benefits determined?
You may have noticed that sometimes your dental insurer reimburses you or the dentist at a lower rate than the dentist’s actual fee, leaving you to pay the remainder. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary, or reasonable fee (“UCR”) used by the company.
It’s important to note, that insurance companies set their own fee schedules and each company uses a different set of fees they consider allowable. These allowable fees vary widely because each company collects fee information from claims it processes. The insurance company then uses this data to create their UCR fee for a given procedure.
Often times, parents are left to believe by the insurance company that the dentist is “overcharging,” when in reality insurance is often “underpaying” or providing minimal benefits. In general, less expensive policies use lower usual, customary, or reasonable (UCR) figures. Again, it’s important to be familiar with your insurance policy to ensure you receive a benefit that matches the level of care you require for your children.
How can I calculate my benefit?
When estimating dental benefits, deductibles and percentages must be considered. To illustrate, assume the fee for service is $150.00. Assuming that the insurance company allows $150.00 as its usual and customary (UCR) fee, we can figure out what benefits will be paid. First a deductible (paid by you), on average $50, is subtracted, leaving $100.00. The plan then pays 80% for this particular procedure. The insurance company will then pay 80% of $100.00, or $80.00, leaving a remaining portion of $70.00 (to be paid by the patient).
Of course, if the UCR is less than $150.00 or your plan pays only at 50% then the insurance benefits will also be significantly less.
SCHEDULE AN APPOINTMENT!
We invite you to be present with your child during all of their visits to our practice.
My daughter has been seeing Dr. Tiede since she was 6 months old and we love her! She has a great staff and they are fantastic with children!
I absolutely love this place and the people that work there. You're very professional and absolutely amazing. My daughter is handicapped and they were very amazing with her. They were extremely caring and very gentle.
Missoula Pediatric Dentistry is phenomenal! I wish my dentist was this caring & accommodating. My daughter has been going here for 14 years & actually likes going to the dentist. The entire staff is amazing.
The staff at Missoula Pediatric Dentistry are amazing! They are so accommodating with getting my kids in on short notice and we love each one of the doctors. No matter who we see they know what is going on with my child, even if the last visit was with a different doctor. I always recommend them to family and friends!
My son does not like the dentist, to be honest I used to joke we would be asked to not come back because he is so difficult! This last time we had the most amazing, patient, kind assistant named Jayden! She took so much time talking through each step with my 4 year old. I can’t say thank you enough to her and Dr. Tiede for being so kind and helpful ! You both have helped him understand going to the dentist isn’t scary!
We've had several emergency teeth issues that their office was immediately willing to see me. I have never had any issues with procedures happening without my consent. I feel confident that my children are reciting top notch quality care, we are all being treated with the utmost respect and that at any time I can discuss any concerns or issues I may have with them without any repercussions.