Insurance Information

At Oral and Maxillo Facial Surgeons for Northern Illinois we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures. 

We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time service is rendered unless other arrangements have been made in advance.  If you have dental or medical insurance, please bring your cards with you to your appointments.  If you have coverage for your planned treatment, we will contact your insurance companies to verify coverage on your behalf.  You will be responsible for the coinsurance amount; what is not covered by insurance.

If you have questions regarding your account, please contact us at 815-895-3000.  Many times, a simple telephone call will clear any misunderstandings.

We will send you a monthly statement. Most insurance companies will respond within four to six weeks. Please call our office if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated. We can make arrangements for a monthly payment plan through CareCredit.

Please bring your insurance information with you to the consultation so that we can expedite your treatment and insurance coordination.
Dental PPO Insurances:
We are in-network providers for many insurance plans of most dental insurance companies including:  Delta Dental PPO Premier, Blue Cross Blue Shield and its subsidiaries (by way of Unicare Grid+ Network),  Aetna,  Cigna, MetLife (PDP Plus plans), Guardian, Principal, Humana, Ameritas,  Connection Dental, United Healthcare Dental, Lincoln Financial, GEHA,  DHA (Dental Health Alliance), Assurant, United Concordia (by way of Connection Dental network), Unicare, Sun Life, and others.   Also, network status may also be dependent upon the particular plan through your insurance company.
We also participate in fee-sharing networks that provide in-network rates even if we are not directly contracted with your insurance company.
You are welcome to contact your insurance company to verify network status as well, if desired.  PPO insurance types typically provide for out of network coverage as well.
Dental Discount Card Holders:
We accept some Careington cards, and others depending on your card’s network.
Medical Insurances:
We are in network with Blue Cross Blue Shield PPO, BCBS HMO Northwestern Medicine Physician Network, Medicare  and Aetna (Dr. Junck)
HMO Medical and Dental Insurances:
We are not in-network with any dental HMO insurances.
We are in-network with BCBS HMO Northwestern Medicine Physician Network (Sites 475, 489 or 757).  If you have an HMO insurance without local in-network providers, you may also be referred by your primary physician or dentist as an out of network referral due to the lack of in-network specialists.