To allow us to continue providing quality surgical care while minimizing costs to our patients the practice adheres to the following guidelines:

Financial Policies

    If you have no insurance, or carry an insurance plan we do not participate with, charges for services are due and payable at the time service is rendered unless other arrangements have been made prior to treatment. For your convenience, we accept Cash, Check, MasterCard, and Visa.

     We are not a Medicare or Medicaid provider.  We cannot, nor can you, submit Medicare claims.  Note that Medicare supplemental insurances require that a claim be filed and processed by Medicare before bills may be submitted to them. 

     We will file insurances claims for those insurance plans in which we participate. For those insurance plans that we do not participate in, we will be happy to provide an itemized receipt to file with your insurance company. Simply attach the receipt to a claim form.

      Please remember you are fully responsible to the doctor for all charges on your account regardless of your insurance schedule, coverage, or payment.

Insurance Information

     Dr. Funari participates with most major medical and dental insurance companies (see list below).  The large number of insurance companies, each with multiple plans having different eligibility criteria, make it impossible for us to calculate the exact amount your insurance will pay for certain procedures. It is your responsibility as a patient or sponsor to check with your insurance company to see if there is coverage under your policy for the particular service to be provided.  Due to recently enacted HIPPA laws it is sometimes impossible for us to get complete information from insurance companies.

      It is important that we have copies of both your medical and dental insurance cards to assist you with insurance reimbursement.  Some of your procedures may be covered under your medical insurance and some under dental. Additionally, some procedures may only be covered if provided in conjunction with other procedures.  It is also important to note that HMO plans require referrals prior to treatment. We will be glad to assist you in obtaining this referral from your physician.

     After the consultation and prior to your surgery, we will be happy to provide you with the necessary information to allow you to call your insurance company and get "verbal" confirmation of eligibility and benefit coverage.   Be aware that, despite every effort to obtain accurate information from your insurance company, what they tell you is not a binding agreement for payment. You will not know what they will reimburse until the claim is filed. Also, due to unanticipated findings at the time of surgery, the procedures actually performed by may differ from those discussed at the consultation which may affect what the insurance companies will reimburse.

Many factors affect the amount your insurance will pay. Some of these are:

• Deductibles
• Policy limitations for certain procedures
• Yearly maximums
• Benefits already used
• Student status requirements
• Plan year renewal dates
• Usual and customary fees
• Coordination of benefits or non-duplication clauses
• Allowable amounts
• Fee schedules
• Missing tooth clauses
• Age limitations

     The amount we ask you to pay on the date of service is only an estimated amount. For Medical participating programs, you are responsible for the co-pay.  For Dental participating programs you are responsible for your cost share, commonly 20% of the charges.  You will be responsible for any balance remaining after payment is received from your insurance company.   As a courtesy, and for your convenience, we will submit insurance claims for procedures.  

     If you have questions regarding your insurance, please contact our office. Our insurance staff is very familiar with insurance and will be happy to help you.

     We work with all indemnity insurance plans. However, we are preferred providers for those companies listed below.

                        Insurance Plan Participation