Insurance & Financial Policy

As a courtesy, Inland Oral Surgery (IOS) files claims on your behalf to in-network policies (limit of two insurances). Our staff attempts to verify accurate coverage, eligibility, and benefits, and to estimate your coinsurance based on those quoted benefits. However, telephone estimates are not legally binding and may be misquoted. Therefore, all telephone verifications are an estimation and not a guarantee of coverage or benefits.

To maximize your benefits and provide the highest level of customer service, IOS would like to make you aware of the following:

  • Provide IOS with all insurance information to avoid paying in FULL. Should this information not be provided at (or prior to) the consultation, you will be responsible for all fees related to your consultation. If the information is still unavailable 24 hours prior to surgery, our policy is to collect for your surgery in full and IOS not file any claim on your behalf.
  • Consultations and estimates are valid for 90 days. Surgery appointments scheduled more than 90 days after the initial consultation will require a re-consult, and the insurance estimate will be updated accordingly.
  • Dental benefit maximums are shared among all dental providers. If another provider bills your insurance after you receive an estimate from IOS, your out-of-pocket amount may increase.
  • The estimated surgery and anesthesia time is subject to change due to surgical variables. You are responsible for the cost of any additional time used. Refunds will be issued if less time is used.

Please check with your insurance company regarding:

  1. Benefits: Most insurance companies only verify general benefits. IOS can provide procedure and diagnosis codes upon request. We encourage you to submit a pre-estimate of benefits, which may take 6–8 weeks to process.
  2. In-Network Participation: Treatment rendered at an in-network provider means the doctor’s office has agreed to a contractual sharing of healthcare expenses through reduced rates. IOS only accepts and bills in-network policies.
  3. Status of Your Claim: Your involvement with your insurance company helps speed up processing. Claims unpaid by the insurance company after 120 days will become your responsibility.
  4. Final Reimbursement: All reimbursement decisions are made by your insurance company in accordance with your plan provisions and eligibility at the time of service. IOS is not responsible for plan provisions.

After Your Date of Service:

  1. Insurance companies often process provider payments in bulk; therefore, it is likely you will receive your Explanation of Benefits (EOB) before IOS does. Please allow 4–6 weeks for IOS to receive and process your EOB.
  2. Insurance claims, especially those involving secondary insurance, can take 30–90 days to process.
  3. Separate billing from an Oral Pathology Lab may occur. We provide your insurance information to them, but IOS is not responsible for how they file or whether they file. You are responsible for any fees not covered by insurance.

All financial obligations (coinsurance, copays, or full fees) must be paid in full on the day of service. If you need assistance with payment, please consider CareCredit or call (800) 677-0718.