Our Commitment to Transparency
At Wilmington Dental & Implants, we are committed to clear communication and transparency regarding insurance and financial responsibilities. Our goal is to help patients understand their benefits while ensuring high-quality care without compromise.
Insurance as a Courtesy
As a courtesy, we may assist in submitting claims to your dental insurance provider.
However:
- Your insurance policy is a contract between you and your insurance company
- Wilmington Dental & Implants is not a party to that contract
- Coverage determinations are made solely by your insurance provider
Estimates Are Not Guarantees
We may provide estimates of insurance coverage based on information available at the time.
Please note:
- Insurance estimates are not guarantees of payment
- Actual coverage may vary based on your plan, annual maximums, deductibles, limitations, and exclusions
- Final payment responsibility is determined by your insurance carrier after claim processing
Patient Financial Responsibility
Patients are responsible for all services provided.
This includes:
- Any portion not covered by insurance
- Deductibles, co-payments, and co-insurance amounts
- Services that are denied, downgraded, or deemed not medically necessary by the insurance carrier
If insurance does not pay as expected, the patient remains responsible for the remaining balance.
Pre-Authorizations & Treatment Planning
In some cases, we may submit a pre-authorization (pre-determination) to your insurance provider.
Please understand:
- Pre-authorizations are based on limited information and are not guarantees of payment
- Additional procedures, materials, or clinical steps may be required during treatment
- Treatment recommendations are based on clinical judgment and patient care—not insurance coverage
Assignment of Benefits
If you assign insurance benefits to Wilmington Dental & Implants:
- Payments from your insurance provider may be sent directly to our office
- Any remaining balance after insurance processing is your responsibility
If benefits are paid directly to you, you agree to remit payment promptly to our office.
Delayed or Denied Claims
If your insurance claim is delayed or denied:
- We may request payment from you for services rendered
- We will make reasonable efforts to assist with claim follow-up
- Patients are ultimately responsible for resolving insurance issues with their provider
Out-of-Network Considerations
If we are out-of-network with your insurance plan:
- Your plan may reimburse at a different rate
- You may have higher out-of-pocket costs
- Payment in full may be required at the time of service, with reimbursement sent directly to you
Coordination of Benefits
If you have dual insurance coverage:
- Coordination of benefits is determined by your insurance providers
- Coverage may not result in 100% payment
- Remaining balances may still be your responsibility
Communication & Patient Partnership
We encourage patients to:
- Understand their insurance benefits and limitations
- Contact their insurance provider for detailed coverage information
- Communicate with our office regarding any questions or concerns
We are happy to assist in explaining treatment and estimated costs to help you make informed decisions.
Governing Principles
Our approach to insurance and billing is guided by:
- Clinical appropriateness and patient care
- Transparency and clear communication
- Good-faith efforts to assist patients
- Compliance with applicable laws and professional standards
Important Notice
This policy is intended to provide clarity regarding insurance and financial responsibilities and does not limit patient rights under applicable law.
Contact Us
Wilmington Dental & Implants
2300 Pennsylvania Ave #6AB, Wilmington, DE 19806
Phone: 302-984-3300
Email: care@wilmington.dental