Financial

Our Financial Information

Insurances We Accept

Some of the insurance providers that we accept are: 
  • Ameritas
  • Cigna 
  • Delta (most states)
  • Met Life
  • United Health Care
  • Guardian
  • GEHA
  • NC Medicaid
  • BCBS (Federal and State)

Financial Policy Information

  • We gladly accept cash, checks, MasterCard, Visa and Discover. For your convenience, financing is available through a third party upon credit approval. Please inquire with one of our Patient Service representatives for details.
  • There will be a $50 fee for any returned check
  • Payment for fifty percent (50%) of patient responsibility (amount not covered by insurance) is expected at the time of scheduling of procedure.
  • I understand that my insurance contract constitutes an agreement between the insurance company and me, and not between Dr. Cusumano and the insurance company. We file with the insurance company as a courtesy to our patients.
  • I must provide the following information in order for Francis J. Cusumano, DDS, PA to accept insurance as payment: 1. Current dental insurance information and/or a current dental insurance ID card & picture ID 2. Payment in full of the following: any applicable copayment/coinsurance/deductible
  • If my dental insurance cannot be verified or if I do not have insurance, I will pay in full with cash, check or credit card at the time of service.
  • Pre-authorization may be required by your insurance provider and is not a guarantee of payment. Copayments are accepted for procedures if a pre-determination from your insurance carrier is on file, otherwise payment is expected in full. 
  • Failure of your insurance carrier to reimburse your account within thirty (30) days will result in our office billing you directly for any balance.
  • The fees quoted you represent the fees of our surgeons only. You will receive a separate bill from any other medical providers participating in your care.
  • It has been explained to me that during the course of surgery unforeseen conditions may be revealed which will necessitate extension of the original procedure or a different procedure. I authorize my doctor and his staff to perform such additional procedures as is necessary and desirable in the exercise of professional judgment. I do understand that additional charges may be incurred. 
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