Need Help with your insurance?

The TMJ & Sleep Therapy Centre employs specially trained Treatment Coordinators to maximize each patients unique insurance plan.  We are committed to assisting in the process by offering up to date information in our office and our site.

We invite all patients to use this page as a resource when calling your insurance company to verify benefits prior to your visit.  If at any point in time you have a question we have not addressed, please feel free to call us at 574-968-5166 or email us and we will do our very best to answer your questions.

Your Insurance in Our Office

Daniel G. Klauer, DDS is not a participating provider with medical or dental insurance companies. We would be happy to provide you with any necessary documentation to assist you in the processing of your claims. Typically, TMJ and/or sleep breathing treatments are filed with medical insurance, however; some dental plans have limited coverage for TMJ – be sure to check with your dental carrier. We feel it is important for you to understand your plan and its payment allowances.

Most insurance carriers have member service representatives available to assist in understanding your plan’s specific benefits and the filing process. Dr. Klauer is an out of network provider, therefore, insurance contracts are between you the member, employer and the insurance carrier.

We advise you to contact your insurance carrier to obtain your plan’s specific benefit information so you can make an informed and educated decision while creating a payment arrangement.

Terms and Definitions

In-network or participating provider: The healthcare professional has a contract with your insurance company agreeing to a dollar amount for a service and adjusts the fee based on the contracted amount.

Out-of-network or non-contracted provider: The healthcare professional does not have a contract for services with the insurance company. There may be benefits available, however; the benefit is not determined until the claim is reviewed. Therefore, the insurance company is not able to provide the dollar amount for a service to an out of network provider.

HMO (Health Maintenance Organization) vs. PPO (Preferred Provider Organization) plans: With an HMO, you have benefits available only when you received services from an in-network or contracted provider. PPO plans allow benefits for both in and out-of-network providers. Occasionally, if receiving a service from an out-of-network provider or facility the benefit may be reduced but, there is still coverage of some dollar amount.

Deductible: The dollar amount that must be satisfied prior to the insurance plan making payment or reimbursement.

Co-Insurance: The percentage the member is responsible for covering after the deductible is met.

Reasonable and customary limits or allowed amounts for services: The arbitrary amount an insurance company sets as the fee for a particular product, procedure, or service. (For example: We will bill them the full fee for each service, your benefit or coverage/ payment will be based on the dollar amount they have chosen.)

Exclusions and limitations: There are times where an insurance plan or group will not provide any payment or allow any benefit for a particular diagnosis or service. Limitations are occasionally seen as a maximum amount an insurance company will allow or pay for a particular diagnosis or service. The limit can be either in the form of a dollar amount or percentage.

CPT (Current Procedural Terminology) code: The code or number that represents the service, procedure, or equipment being performed or provided on the claim form.

ICD 10 (International Classification of Diseases) – Diagnosis code: The code or number that represents why the service, procedure or equipment was done or provided.

Let Us Help!

If jaw pain, facial pain, or sleep disorders plague you, let us help! The TMJ & Sleep Therapy Centre has a treatment that will provide relief. From laser therapy and physical therapy to airway pressure machines and orthotic appliances, we will find a way to help you live your best life.

For more information, please call 574-968-5166


No one tells our story better than our patients. Click below to see the people whose lives have been changed by The TMJ & Sleep Therapy Centre.

Featured On

Dr. Klauer’s passion and expertise for treating patients with the most cutting-edge and effective care has extended to sharing these findings with the industry—making him a highly sought-after lecturer for dental professionals across the globe. Click on the button below to read some of the articles or watch a few news spots in which Dr. Klauer and his expertise have been utilized.