Copyright 2007  Luis A. Cruz, D.M.D.  All Rights Reserved.
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Financial and


We are currently Prefer Provider with Delta Dental and Met Life Dental we also
accept must PPO plans. For some we would be considered an out-of-network
provider. Payment of services is due in full at the time services are rendered.  
This includes all new patient evaluation appointments, prophylaxis (professional
cleanings), emergency evaluations, re-care appointments, and treatment. If you
have dental insurance, we will verify coverage, for you. If we have not verified
your insurance prior to your visit, payment is due in full. It is your responsibility
to give accurate insurance information so that this can be done in a timely manner.
Your treatment plan will include a breakdown of all applicable fees, and we will
inform you of all costs before treatment is administered. Charges, both full and
down payments, are payable at the time of treatment.

What if my child has dental insurance and needs treatment?
Our office is committed to helping you maximize your insurance benefits. Because
insurance policies vary, we cannot guarantee coverage due to the complexities of
insurance contracts.  If you have dental insurance, we will verify coverage, for
you. If we have not verified your insurance prior to your visit, payment is due in
full. Any account that is overpaid will receive a prompt refund. However,
insurance companies do not always release specific information regarding
coverage. Please understand that all insurance policies are different and contain
various provisions and limitations. We have absolutely no control over the
reimbursement process or determination of eligibility.  

What if my child does not have dental insurance and needs treatment?
We accept cash, check, Visa, MasterCard. We also offer Capital One Health Care

We must emphasize that as dental care providers, our relationship is with you and
your child. If you should have any questions regarding the above information,
please do not hesitate to ask. We will be happy to help you in any way possible.

Any under payment made by your insurance company is your responsibility. If we
have not received payment from your insurance company within 30 days of the
service being rendered, you will be responsible for the balance. Any account that
is overpaid will receive a prompt refund. Our office reserves the right to stop
filing your insurance if at any time there is a problem with your account because
of your carrier, or your unwillingness to cooperate.

In an effort to help you understand your insurance policy and maximize your
insurance benefits, we would like to share some facts about dental insurance with
FACT #1: Dental insurance is a contract between you, your employer and the
insurance company. We are not a party to that contract.
FACT #2: Dental insurance is NOT meant to cover all fees. It is meant to be an
aid to your investment in your child’s dental healthcare. Many routine dental
services are not covered by dental insurance.
FACT #3: Many carriers claim that they reimburse the insured promptly “up to
80% or up to 100% of the total fees.” In actuality, we have found that most plans
cover about 40%-50% of average fees. Some plans pay more, some less. The less
paid for the insurance by your employer, the less coverage you will receive.
FACT #4: Usual, Customary or Reasonable Fees, UCR, a term used by your
insurance carrier, is an arbitrary amount which the insurance company chooses to
pay for each procedure. It is not based on the average charge of practicing
specialist in the area; it is merely the “allowable” amount they will reimburse so
they can make a net 20%-30% profit. Our fees are within range of other
pediatric dental offices in the area.
FACT #5: Insurance companies will not release the exact amount they will pay
for a procedure until the treatment is completed and the claim is submitted.
They will only state the percentage of their fee schedule that they will cover.
We will make every effort to assure you receive maximum benefits. We will file
your insurance at no change. In order to provide this service, we will need your
updated insurance information before each appointment.
Please do not hesitate to ask questions about our financial policy. We want you to
be comfortable in dealing with these matters. If you have any questions regarding
your insurance, we ask that you contact your company regarding the specifics and
details of your plan.
MOST IMPORTANTLY, please keep us informed of any insurance changes such as
policy name, insurance company address, or a change of employment.
105 Cypress Point Parkway Suite D
Palm Coast, Florida 32164
Ph: 386-439-KIDS   Fx: 386-446-6358