At the dental office of Dr. Gary H. Morikawa in Honolulu, Hawaii, our dedicated team is committed to providing all of our patients with the quality care they deserve and your dental health is our number one priority. As a courtesy to our patients, we bill all dental insurance, and are currently accepting most PPO insurances, We are in network with HDS, HMSA, and United Concordia.
For our patients who plan to pay out of pocket, we accept payment in cash and check, as well as Visa, MasterCard, and Discover credit cards.
Our office is a proud supporter of CareCredit. To find out more about Care Credit and/or apply click here: CareCredit
While we are more than happy to work with your insurance company, we can’t guarantee coverage by your provider. There are literally hundreds of dental insurance plans, each with different maximums, percentages, and covered procedures. Individual insurance plans often change details every single year.
Patients need to familiarize themselves with the details of their particular plans, closely monitor their benefits, and keep us informed of their current status and any changes, especially if you have changed employers, or if your employer has changed insurance plans. This is so important; often our patients are better at keeping us up-to-date than the insurance companies are!
Your insurance plan may have deductibles and out-of-pocket expenses. It is your responsibility as a patient to be aware of your dental insurance coverage and to provide payment for those out of pocket expenses. If you have concerns about whether a service is covered, please contact our office to make sure coverage applies. Although our office cannot provide exact coverage amounts for treatment, we do everything we can to provide reasonable estimates for our patients.
When a patient is referred to a specialist for part of their dental treatment, we try to estimate what our portion of the charges will be and find out what percentage of that procedure is a covered benefit by your plan. Please keep in mind that our estimates are based on information that has been provided to us from your insurance. We can usually estimate with pretty good accuracy, but it still leaves one factor out of our hands–the annual maximum. Often times, insurance companies are hesitant to share information with us so we have no way to monitor what other offices have billed, and what the insurance company has paid other providers.
If there are any concerns that you have with your dental insurance coverage, we highly encourage you to bring up your concerns with both
the insurance company and your employer. The more people exposing issues with coverage, the more likely it is to be improved. We are constantly expressing our concerns to the insurance companies.
Employers need to know their employee concerns, as they are the ones purchasing the dental insurance package for their employees. For the most part, employers can get any kind of coverage they want for their employees. In recent years, however, they are opting for the less costly packages, which means less inclusive dental coverage for employees.
While treatment is never dictated by insurance, if you have a treatment that you have not scheduled or are experiencing any dental concerns, now is the time to come in, before the year is over. Now is the time to make the most of your insurance coverage, by utilizing your dental insurance benefits that you have left before they expire at the end of the calendar year. To help make this possible, we will work with you to schedule your treatment, beginning now thru November, to give your insurance time to process your claim.
If you have any questions regarding pricing, insurance coverage, or payments, our friendly staff at 808-949-8866 is happy to help. We can address your concerns and help you find a treatment plan which is compatible with your financial situation. Our goal is to provide you with the best quality care you deserve!