Financial Policies and Dental Insurance
Your dental office in Fort Lee NJ, Lori M. Nasif, D.M.D., participates with most major dental insurance plans and can assist you by filing your insurance claim. Traditional and PPO insurance is typically one in which you can choose any dentist you desire. If you are not sure what type of plan you have, we will be happy to call for you and explain your benefits to the best of our ability
In an effort to provide high-quality dental care and to clarify our position on filing for your insurance benefits, we would like to share some facts about dental insurance with you:
• Your dental insurance is based on a contract between your employer and the insurance company. While we will attempt to estimate your dental benefits to the best of our ability, this is an estimate ONLY, and should not be depended on as the final decision. Should questions arise, it is best to contact your insurance company directly.
• You may receive notification from your insurance company stating dental fees are “higher than usual and customary”. An insurance company surveys a geographic area, calculates an average fee and then takes that fee and considers it customary. Included in this survey are discount clinics and managed care facilities, which bring down the average. Most doctors in private practice will have fees, which are defined as “above usual and customary.”
• Many plans tell participants they will be covered “up to 80% or up to 100%” but do not clearly specify plan fee schedule allowances, annual maximums or limitations. Insurance companies do NOT cover all dental services.
Insurance and Billing
We accept most traditional insurance plans, contact our office to verify acceptance of your plan. Lori M. Nasif DMD does not participate in Health Management Organizations; however, we will be happy to file your insurance claims for you. We accept checks, cash or credit cards. We also offer a flexible payment plan. Please see our Financial Coordinator for details. We are happy to file insurance for your reimbursement as long as you are free to choose your own dentist.
Accepted Insurance Carriers
• Delta Dental Premier
• Delta Dental
Our office manager, Karen, will estimate your insurance coverage, but please note that this is an ESTIMATE only. However, depending on the dental procedure, you should expect to have some out-of-pocket expense. We gladly accept personal checks, MasterCard, Visa, and American Express as co-payment or as payment in full for services rendered which are not covered through your dental insurance plan. We also offer no-interest loans through CareCredit if you qualify. Otherwise, we will try to work with you, if you need a payment plan option, as well.
CareCredit is here to help you pay for treatments and procedures your insurance doesn’t cover. We offer No Interest* financing or low minimum monthly payment options so you can get what you want when you want it. You can even use CareCredit for your family and favorite pet.
With three simple steps, including an instant approval process, it’s easy to apply for CareCredit. After you’re approved, you’re free to use CareCredit for the services you choose including LASIK, veterinary, dentistry, cosmetic, hearing aids and more.
CareCredit is endorsed by some of the most credible organizations specific to each healthcare profession we support. And CareCredit is a GE Money Company, so you know you can count on us. For over 20 years, we’ve been helping over five million cardholders get the healthcare treatments they want and need.
Now you don’t have to worry about saving up for the procedures you want and need. With CareCredit, the decision’s in your hands to get what you want, when you want it. For more information or to apply online, visit carecredit.com.
If you have any further questions about your payment options, don’t hesitate to give our dental office in Fort Lee NJ a call at (201) 224-6430 and we’ll be happy to assist you here at Lori M. Nasif, D.M.D.!