Dr. Rich Higgs, DDSFree Consultation

Insurance and Payment

Dental insurance policy

Dental Insurance: Most accepted - we offer an in-house plan for those who have lost their dental insurance benefits.

We are a prefered provider for:

  • Delta Dental
  • Metlife
  • Guardian
  • Blue Cross Blue Shield
  • United Health Care
  • Cigna PPO
  • Principle Life

If you have dental Insurance, we will do everything we can to help you maximize your benefits on a yearly basis. We ask to keep several important facts in mind:

  1. Most insurance plans have a maximum coverage per year of $750, $1000, $1500, or $2000. When dental co-payment plans began in 1970, they allowed the same amount of maximum payment per year as allowed today. In other words, reflecting for a 6% per year inflation, your $1000 benefit per year is equal to $290 in today's dollars. Had the various dental insurance companies increased their benefit on a year-by-year basis, reflecting increases for inflation, this year your benefit would be $3207.14 per year!
  2. We ask that you understand, we neither work for the insurance companies, nor do we wish to. We work 100% for YOU. We want to help you maximize your benefits, but we do not want to be controlled by insurance companies nor the benefit packages they offer.
  3. Our office does not diagnose, render treatment or establish fees according to any insurance tables or allowances. Office fees are based on the care, skill and judgment of the professionals delivering the services, and by the cost of operating a dental office dedicated to excellence. Most importantly, remember that we work 100% for YOU, not for the insurance company. As a courtesy to you, we will file insurance claims. However, it is required that your estimated portion be paid at the time services are rendered.

Financial options

It is our firm belief that all patients who come to our office want and deserve the best dental care that can be provided. Dentist Higg's goal is to provide excellent service at a fair fee. Payment is due at the time professional services are provided unless other financial arrangements have been made in advance with our office.

Below is an outline of choices for financial arrangements:

  1. Cash, Check, Visa/Mastercard, American Express or Discover on date of service.
  2. Dental Fee Plan by Chase Health Advance: They will finance you (with approved credit) with low monthly and/or interest-free payment.
  3. Half down and balance due in 30 days.

We believe that we have a responsibility to use our best professional care, skill and judgment in planning your dental treatment. The benefits of treatment and consequences of neglect are explained in the written Review of Findings we will be completing for you. All fees will be thoroughly explained to you. Any type of financial arrangements made with our business coordinator are expected to be honored. Our commitment to you is that we will never move forward with any treatment unless you agree on it and know exactly how much it will cost. No business or practice can fulfill its mission to its patients when a bond of trust is violated by failure to pay for services.

Call us! We will work to help you get the treatment you need and maximize your benefits.

(480) 812-2800 Dr. Rich Higgs, DDS