Understanding Insurance


Letter of Explanation

Dear Patients,

We have prepared this letter to better help you understand the complexities of dental insurance; we understand it can be confusing. To begin, we would like to highlight a misconception- dental insurance is not designed to pay for all dental care. Most contracts have limits and/or various degrees of co-payments.

All levels of payment by insurance companies, including allowed fees, usual and customary (UCR) are governed by premiums paid. They have nothing to do with the actual charges. Our fees are based upon a combination of our costs, our time and our constant dedication to providing our patients with the highest quality of dental care. The treatment recommended by our office is never based on what your insurance company will pay for; your treatment should not be governed by your insurance contract.

However, it should be understood that the dental insurance contract is between the insurance company and the patient, whom bears the ultimate financial responsibility.

Also, please note that we are NOT Medicare providers and there for, we cannot submit any claims to Medicare for any services rendered.

We hope this information has been helpful. Please take the time to review your contract thoroughly so we may best serve you. As always, you may feel free to ask any member of our staff for clarification on services, fees and insurance.

Thank You,

Dr. Gonzalez & Staff

To download a PDF copy of this letter, please click here.

If you have any questions, or if you would like to schedule an appointment with Dr. Gina Gonzalez, please contact Heart Centered Dentistry at

(310) 264-5557.
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