Why   OADC   is
Fee   For   Service

     OADC strives to provide the highest level of patient care.  For this reason your well-being is the foremost concern for our team. As a result we find it necessary to focus our time and energy to deal with your health rather than compromising it for requests made by insurance companies. 

     Consequently, OADC is a fee for service practice but chooses to assist you in filing all claims and concerns related to the benefits you have with your insurance carrier.  OADC works for you not your insurance company.  Since there are many insurance companies and many types of benefits, OADC is determined to continue to be a leader in dictating patient health and well-being and not have it compromised in any way based on consignments offered by insurance companies.

     Every patient has an agreement with their own insurance company.  Please be an informed consumer regarding your insurance carrier and benefits.  Additional information regarding insurance may be found at www.insurance.illinois.gov.

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OADC will make every effort to assist you in collecting your insurance benefits related to your office-based anesthesiology care.

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OADC   Participates   in   CareCredit®

​​CareCredit® is a third party financing program offered as a payment method for dental and medical procedures. 

​OADC has made arrangements with CareCredit® to be able to offer you either 12 or 6 months interest free so that your payments can be spread out over a period of a half or full year. Another option is a fixed interest rate over 24 months. 

For more information, or to apply, visit the CareCredit® website here or scan the QR Code: 

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FAQ's   to   Help   Clarify   Insurance   Information

• Will my insurance cover the anesthesia services?

Each policy varies in the type of benefits as well as the amount covered. Some policies may not have any anesthesia coverage, while others may cover anesthesia services up to 100%. To find out what your benefits allow, you must contact your insurance company. OADC staff will assist you in providing the information you might need for an insurance pre-determination.

• When I file a claim, do I submit it to the medical or dental plan?

It varies. Some dental plans might give you coverage, but the total benefits amount may not be large enough to cover both the dental treatment and the anesthesia services. It is important for you to know the maximum allowable per year in your dental plan. Medical insurance policies might cover anesthesia services for dental procedures, especially in children under age 6, or due to “medical necessity” e.g. trauma, extreme anxiety, mentally challenged, autism, infection, or other reasons. Consult with your medical insurance carrier for details of your benefits.

• If my medical insurance covers anesthesia only if it is done in a hospital or surgical center - is this my only option?

No. You must know the percentage of the total hospitalization fees the insurance covers. It is not unusual to have hospitalization bills ranging from $10,000.00 to $15,000.00 for same-day surgery. If the policy does not cover 100% of the bill (not an allowable amount of the bill), you may still be responsible for an amount that EXCEEDS the TOTAL office-based anesthesia fees. In many situations, if coverage is not 100% of your total billed amount for in-hospital anesthesia services, office-based anesthesia would provide a better option. Some policies may cover 100% of the hospitalization bill only if the procedure is done in a specific hospital within their network. Make sure that your Dentist/Surgeon is on staff at that hospital otherwise he/she cannot provide the treatment for you or your family member there.

• Will I have to fill out my own claims?

OADC staff will fill out all the paperwork necessary to help you file the claim. You need to specify whether you will submit the claim to Medical or Dental since the procedure codes are different and are not interchangeable. You will then receive a copy of the claim to sign and submit to your insurance provider for re-imbursement. We are committed to assist you in every way possible to provide the necessary information for your insurance needs. ​

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Remember:  Anesthesia fees are always going to be separate from your Surgical/Dental fees.