Insurance

1414 So. Big Bend Blvd
St. Louis, MO 63117 314-644-3977 (Office)
314-644-5884 (Fax)
314-409-4397 (Pager)

We make every effort to keep down the cost of your dental care. You can help by paying at the time of your visit. If your treatment program requires several visits, you will be given an estimate and asked to discuss definite financial arrangements with a member of our staff. Unless the treatment rendered is over $1,500.00 we ask that payment is at the time of the appointment. For extensive treatment over $1,500.00, we do arrange interest free payment plans based on the length of treatment and costs involved after a pre-estimate and insurance pre authorization have been completed. Please remember that insurance is a method of reimbursing the patient for fees paid to the doctor and is not a substitute for payment.

Please notify someone in the office when you are covered by an insurance program. We will be happy to fill out and file any claim forms once you have completed the necessary information (Subscriber, ID Number or Social Security Number, Date of Birth, Patient Name, and Patient Date of Birth). Please remember that no insurance company attempts to cover all dental costs. Some companies pay fixed allowances for certain procedures and others pay a percentage of the charge. It is your responsibility to pay any deductible, co-insurance and any other balance not paid for by your insurance company. By paying your portion at the time of your appointment this will minimize billing costs and control our fees. Paying your portion on time also assures the offices ability to continue participation as a provider in the program.

Dr. Freund is a preferred dental provider for the following dental plans:

Metlife
Cigna
Delta Dental
Guardian
Essex/BJC
Dentemax
Aetna

Being a preferred provider office means the office accepts a set fee as set by the insurance carrier for a given procedure which includes a percentage payment from the patient. Often these fees are substantially lower than regular fees. We do not accept other insurance carriers, however their payments go toward the fees set by our office, often leaving the patient with a slightly higher portion. Our staff does any exemplary job of verifying, coordinating and tracking benefits as a courtesy to our patients; however, we are not responsible for payments from the insurance carrier. As a courtesy we file claim electronically for patients, given the correct and accurate information provided. It is the patients responsibility to follow through to see their account is paid in a timely fashion. We do not accept any dental HMO's at this time. If you are on or signed up on a roster we cannot accept this type of insurance.