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3628 Meridian, Suite 1-b
Bellingham, WA 98225
PHONE: (360) 676-9050
FAX: (360) 676-1593

Office Hours
Monday- Thursday 8-5
Friday 8-2
(Closed: holidays, conventions and seminars)

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Your Financial Questions Answered
Why doesn't my insurance cover the treatment you recommend?
It is a great benefit to have dental insurance, and our office staff will make every effort to help you with your particular coverage. However there are a few things you should know about dental insurance.

•  The benefits that you have are a contract between your employer and the insurance company. They have absolutely no relationship with us.
•  They do not reflect in any way your specific dental needs.
•  The covered amount is dictated by what your employer purchased for their employees.
•  Unlike health insurance where you have unlimited coverage and your co-payments are standard, dental insurance has different percentages of co-payment depending on the type of services you need.
•  If dental insurance covered all procedures 100 %, the premiums would be too high for employers to afford to offer it as a benefit.

How do I submit an insurance claim?
We do submit claims to most insurance companies, and as a courtesy to you we will prepare and submit your claim to your insurance company.

When necessary we will submit a pre-treatment estimate. Although in general pre-treatment estimates are accurate, they are not always a guarantee of payment from your insurance company.

When do I pay my patient portion?
Your estimated patient portion is due at the time of treatment. After we have submitted the claim to your insurance company, if there is a patient balance remaining or if the claim remains unpaid by insurance, we consider unpaid claims and /or patient balance to be the patients' responsibility.

For your convenience we accept Cash, Checks, MasterCard, Visa, American Express, and Discover Card.

We realize comprehensive treatment may require financial planning. We have Chase Bank Health Financing available to you to make extensive treatment affordable. Please contact us if you have questions about your financial situation.

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Fairbanks & Galbraith | | (360) 676-9050
3628 Meridian St, Bellingham, WA 98225



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