Insurance Policy

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Family Dental Group was founded in 1983 by Dr. Doug Hadnot and Dr. Jackie Jones.

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Family Dental Group was originally at the other end of the Southgate Mall by J.C. Penny’s.

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Family Dental Group’s original location became a hockey store after we moved.

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Family Dental Group’s current location was KB Toys before we moved in.

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Family Dental Group is independent and locally owned.

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Family Dental Group does not do cost shifting. All our patients are charged the same fees.

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Family Dental Group offers a 5% discount for cash or check payments that do not involve insurance billing.

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Family Dental Group moved to their current location in 2008.

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Dr. Dusseau purchased Family Dental Group in 1999 from Dr. Doug Hadnot. Dr. Hadnot continued working here for 6 years and still comes to our Parties.

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Dr. Dusseau was selected by the Department of Defense for the Space Program. Unfortunately, no mission specialists were funded by N.A.S.A that year.

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Dr. Dusseau is an Army Combat veteran.

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Dr. Norris is a graduate of the Harvard School of Dental Medicine.

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Dr. Hyvonen is a Montana native from Charlo.

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Dr. Diggs graduated cum laude with an undergraduate degree in Biology from the University of St. Thomas in St. Paul Minnesota.

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Dr. Norris graduated summa cum laude with and undergraduate degree in Molecular Biology from the University of New Hampshire.

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Lisa has been a dental hygienist at Family Dental Group since 2004.

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Danesa has a BS in Dental Hygiene from the University of Minnesota. She graduated in 2004.

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Dr. Hyvonen was a bartender at Mr. C’s Hideaway before she went to Dental School.

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Dr. Dusseau went to Airborne School when she was in the Army. Her husband pinned her jump wings on her.

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Dr. Dusseau provided dental care for Iraqi prisoners after the Gulf War.

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Our assistant Rita has been with us longer than anyone. She joined us in 2001.

You don’t have to have dental insurance to see the independent dentists at Family Dental Group. About half of our patients don’t use dental insurance. Most of the other half are growing increasingly frustrated with rising premiums, increasing deductibles, and decreasing services from their dental insurance companies. Dental Insurance isn’t really insurance. It is just a very limited annual benefit that only pays for specific things. Some of our patients have dental insurance companies they are still happy with, and we send claims in for them all the time. For everyone else, we have a lot of options.

What if I do not have dental insurance?

People make finding a dentist much more complicated than it needs to be. Most patients are better off just paying directly for services versus trying to find dental insurance, trying to find a dentist in the network, trying to get pre-approval for services, and trying to get the insurance company to actually pay for the work they had done. The good news is dentistry is surprisingly affordable if you stay on top of your basic preventative care.

Most healthy adults only need two routine hygiene visits (cleanings), an annual exam by a dentist, and a few radiographs (x-rays) in a typical year. The total cost in most dental clinics works out to $350-$500 per year or roughly $30-$42 per month. If you have a hard time budgeting, we can easily set up an automatic draft from your checking account, credit card, or debit card to prefund your dental care. Unlike dental insurance, you can always ask for your money back or cancel at any time. All it takes is a phone call. We try to get unused funds refunded within 24 hours.

Most dental insurance costs at least $30-$50 per month. Many plans cost twice that much or more! When you think about it, it makes sense that you can’t get the insurance company to pay more than your premiums cost. How would they make money if they paid out more than they collect in premiums? This is especially true when you think about all of the extra administrative costs.

If you need a lot of treatment, many dentists offer financing programs. We offer SwiftNote financing through Missoula Federal Credit Union and CareCredit. We also offer 5% discounts for cash or check payments if we don’t have the added expense of billing insurance or paying credit/debit card processing fees.

Health Savings Accounts (HSAs) are the hottest financing trend in healthcare these days. Many employers offer HSAs so you can save money through payroll deduction for your health care expenses. This is a pretax benefit so it adds up fast. Some employers even match your contributions to your HSA, doubling how quickly you can build up funds. That’s what we do for our employees and we love our HSAs.

Most HSAs work just like a debit card so you have total control. You can choose your dentist, decide what you want them to do, and fire them if they don’t take good care of you. You can also use HSAs for optometrists, chiropractors, prescriptions…virtually any legitimate health care expense.

If you don’t spend everything in your HSA this year it continues to build and you have more funds available next year. Many HSAs even let you invest in mutual funds for retirement when you have quite a bit of money saved. Sure beats giving your money to a dental insurance company and trying to get it back.