We accept Visa, Master card, Discover, American Express, Lending Club & Care Credit. For your convenience we also can accept credit card payments over the phone.
We also have great news for patients who are looking for simple and affordable financing options. Through our relationship with CareCredit and Lending Club, payment has never been easier! Click the links below for an application:
Our Financial Policy
We are committed to your treatment being successful. The following is a statement of our financial policy, which we require you to read and sign prior to any surgery.
- Due to continual changes with insurance plans and benefit coverage, it is the patient/ guardian’s responsibility to know their insurance coverage, co-pays and out of pocket costs. Our office provides an estimate co-pay and not a guarantee that your insurance will cover the remainder of your treatment. We are not responsible if your insurance company decides that any treatment we render is not a covered benefit due to high deductibles, depletion of yearly funds/benefits, or plan any provisions.
- It is the patient's responsibility to notify our office of any changes or loss-of-coverage with your insurance.
Please keep in mind that insurance is a contract between you and your insurance carrier. We are always here to help you out in any way possible by filing claims or providing your insurance company with clinical notes, brief narratives or x-rays. We understand that insurance companies and billing can be very confusing. We Recommend checking to see if your surgeon participates with your plan. This information is available HERE.
We will also honor the “pay as you go” fee schedules for all of the insurance we do par with. Please provide us with an up to date insurance card and we will charge you our contracted rate with the plan.
It is your responsibility to determine if Dr. William G. Ranucci or Dr. Emil Cappetta participate with your insurance and if your insurance covers your visit. Your insurance will ask you for our Tax ID which is 223569060. If your services require claims to be submitted to medical first, we will submit all claims on your behalf and apply any payments towards your outstanding balance if need be. It is your responsibility to contact our office if the insurance company sends any payments or explanation of benefits to you regarding your surgery. Any charge not paid by your insurance because of incorrect primary insurance, failure to submit proper insurance in a timely manner or coordination of benefits issue not handled with your carrier will be the financial responsibility of the patient. Insurance plans frequently change. It is your responsibility notify to our office of any insurance changes or cancellations. Our office will do everything to maximize your insurance benefits. Insurance is a contract between the patient and the insurance company. Just because we are in- network with your insurance plan, doesn’t mean that we work for them or know everything about your benefit package. In- Network means that we have a negotiated reduced fee for certain services that we provide. Please be advised that if we do not participate with your insurance carrier, you will be required to pay in full today for services rendered. We will submit all claims and proper paperwork to your insurance company on your behalf and your insurance company will send payment directly to you. If your insurance company happens to send the payment to Dr. Ranucci by mistake, Dr. Ranucci will be more than happy to forward that payment to you. In the event we are in network with your insurance carrier, you are responsible for any deductibles or co-payments and that will be due at the time of service. Please be aware that some or perhaps all of the services provided may be non-covered services under your particular insurance contract or not considered reasonable and necessary under your insurance policy. Any balances left on your account over 30 days after your insurance company has satisfied all claims will incur a 1.5% service charge every month until the balance is paid in full.
Usual and Customary Rates:
OMA of Montclair is committed to providing the best treatment for their patients and charge what is usual and customary for our area. Please understand that you are responsible for payment regardless of any insurance company’s arbitrary determination of usual and customary rates.
Payment Plans & Options:
- PAYMENT IS DUE AT TIME OF SERVICE.
- WE ACCEPT CASH, CHECK, CARE CREDIT, LENDING CLUB OR ANY MAJOR CREDIT CARD.
Payments on Outstanding Balances:
We accept Visa, Master card, Discover, American Express, Lending Club & Care Credit. For your convenience we accept credit card payments over the phone. A $50.00 FEE WILL BE APPLIED FOR ANY RETURNED CHECKS.
Missed Appointments and Late Cancellations: Please be advised that there is a $50 fee if the patient misses or does not cancel their appointment (consults or exams) within 24 hours. There is a $150.00 fee for any surgery appointments missed or not canceled with in 24 hours of the appointment.
Counsel Fees and Costs of Collection:
Please understand that if your account is outstanding for more than 120 days and is forwarded to a collection agency or attorney for collection, you will be responsible to pay additional collection fees, counsel fees, court fees and other costs. Collection fees will be at least 35% of the amount of your outstanding balance. For questions regarding an account that is in collections, please call Mr. John Youderian, Esq (856)376-3702.
Permission to Submit Insurance Claims on Your Behalf:
I hear by grant permission to OMA of Montclair to submit all insurance claims on my behalf by either postal service or electronically. I hear by grant permission to submit any letters or disputes to the insurance commissioner’s office, in an effort to collect maximum payment from my insurance companies for services rendered by Dr. William Ranucci or Dr. Emil Cappetta.
Thank you for understanding our financial policy. Please let us know if you have any questions or concerns or would like a copy of this policy. A fully detailed copy of our financial policy is available in our office.
Understanding Dental Insurance: Dental insurance was not designed to pay in full or pay for all dental care. Most contracts have yearly maximums & limits and/ or various degrees of co-payment’s and a yearly deductible. Certain ADA codes may not be covered under your particular insurance contract but may be covered under your friends or neighbors contract. The best way to get a clear answer is to ask us “What codes will you be billing out for and what is the cost?” Then call your insurance carrier and give them that information.
All levels of payment by insurance companies, including allowable 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 supplying our patients with the highest quality dental care. The treatment recommended by our office is never based on what your insurance will pay, your treatment and health 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. Please take the time to review your contract thoroughly so we may best serve you. As always, you may feel free to ask any of our staff for clarification on services, billing and insurance. We will be happy to guide you in the right direction.
- Dr. Ranucci and Dr. Emil Cappetta are not in network with any medical plans. Medical insurance may be required for certain services like bony impacted wisdom teeth removal, jaw fractures, orbital fractures or large cysts in the jaw. Please be advised that not every medical insurance plan has bony impacted wisdom teeth removal coverage under their plan or out of network benefits. Also take into consideration your medical insurance out of network deductible. If you would like to call your insurance company and find out more about your particular insurance plan regarding bony impacted wisdom teeth removal, please give the customer service agent the following procedure codes D7240 and D9243.
Medicare & Medicaid Insurance Plans:
- At this time neither doctor participates with any Medicare or Medicaid plans. Medicare & Medicaid Insurance plans will not pay for any of the services we render at all. The patient will be responsible for the total cost of the treatment.