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Course Title: Financing & Collections (Chapter 1): Better Ways to Use Credit Cards – Course FC-1

Release Date: 01/01/2014

Type of Course: Written Text, Self-Instructional

Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

CE Processing: If you wish to claim CE credits:
  • Please download and complete the CE quiz and fax it to us at 203-372-4296.
  • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
  • Please also include credit card information for processing.
  • A processing fee of $25 per quiz will be assessed.
  • CE credits will be awarded only if you attain a correct score of 80% or greater.
  • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
  • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
  • CE processing fees are non-refundable.
Contact Person: Michael Curtis, DMD.
  • Phone: 800-427-2830
  • Fax: 203-372-4734
  • Email: Hundredsofpearls@sbcglobal.net
Dates: CE credits are available January 1, 2014 through December 31, 2014.

Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.


Course Content:
Dentists rely on timely payment from patients. Pursuing collections increases the workload of front-desk personnel and often results in frustration and lost billing – not to mention ill will. In chapter 1 of Dr. Curtis’ Financing & Collections, dentists learn an easy way to increase collections, reduce administrative workload, and alleviate stress. The answer? Keeping a patient’s credit card on file. By simply obtaining a few pieces of information, dentists receive automatic payment for the work they perform. Maintaining patient credit card information covers fees not paid by insurance, allows dentists to provide patients with payment plans for costly treatments, and helps patients meet their financial obligations regarding dental work. The result: a win-win situation that is easy to implement and beneficial for all involved.

About the Instructor:
Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

Educational Objectives:
After reading chapter 1, dentists will know how to:
  • Obtain patient authorization for credit card use
  • Set up credit card payment plans
  • Defuse a patient’s fear of providing credit card information
  • Save money on credit card processing
  • Assess and acquire credit card processing equipment

  • Handle chargebacks
  • Identify fake credit cards
  • Eliminate dropped charges
Continuing Education Quiz FC-1:

Financing & Collections (Chapter 1): Better Ways to Use Credit Cards 
  1. What information must a dentist obtain to successfully charge a patient’s credit card? (Select all that apply.)
    1. Type of card
    2. Account balance
    3. Account number
    4. Security code
    5. Expiration date
    6. Name as it appears on the card
    7. Billing address
  2. Dr. Curtis suggests adding _____ to estimated copay amounts to cover deficiencies in insurance company reimbursements.
    1. 10%
    2. 15%
    3. 20%
  3. True or False: To eliminate a missed payment due to the client using all of the available funds on a credit card, a dentist can “lock up” funds for a payment for a period of 30 to 45 days.
  4. Dentists can save money by swiping credit cards/manually entering transactions. (Circle the correct answer.)
  5. If a dentist’s average transaction is over $50, the credit card processing plan with the lowest interest rate/transaction fee will save money over the long run. (Circle the correct answer.)

  6. What is the best method to eliminate returning funds to a client who reports a card stolen to get out of paying? 
    1. Retain the client’s signature on file
    2. Implement a signature-capture terminal
    3. Keep track of signature receipts 
  7. True or False: Using automated credit card billing eliminates the need to balance statements.

  8. Use Address Verification (AVS) to: 
    1. Identify stolen, lost, or counterfeit credit cards
    2. Save money on credit card processing
    3. Lower a patient’s interest rate
    4. All of the above
    5. A and B only
  9. When selecting a credit card terminal manufacturer, Dr. Curtis suggests:  
    1. Going with one of the top three name-brand terminals
    2. Implementing a vendor-supplied terminal system
    3. Setting up a hybrid system

CE Processing:
If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

Dentist Name & Degree: ____________________________________________________
AGD or ADA #: ____________________________________________________________
Phone #: _________________________ Fax #: _________________________________
Email Address: _____________________________
Quiz Completion Date: _______________________________________
Processing Fee: $25
Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
Card Number: ________________________ Expiration Date: ______________________

Signature: ___________________________________ Date: ________________________



Course Title: Financing & Collections (Chapter 2): Better Ways to Use Dental Financing Cards – Course FC-2

Release Date: 01/01/2014

Type of Course: Written Text, Self-Instructional

Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

CE Processing:
If you wish to claim CE credits:
  • Please download and complete the CE quiz and fax it to us at 203-372-4296.
  • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
  • Please also include credit card information for processing.
  • A processing fee of $25 per quiz will be assessed.
  • CE credits will be awarded only if you attain a correct score of 80% or greater.
  • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
  • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
  • CE processing fees are non-refundable.
Contact Person:
Michael Curtis, DMD.
  • Phone: 800-427-2830
  • Fax: 203-372-4734
  • Email: Hundredsofpearls@sbcglobal.net
Dates: CE credits are available January 1, 2014 through December 31, 2014.

Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.

Course Content:
Every day, people finance purchases. From groceries to homes, society relies heavily on credit cards and financing to obtain needed items and services. Why should dentistry be any different? Dentists who offer patient financing experience increased case acceptance, happier patients, and improved profits.  Chapter 2 of Financing & Collections eliminates confusion about how dental cards work, explains terms dentists need to know, and tells practitioners how to successfully implement financing into their practices.  Learn the ins and out of patient financing and watch profits soar and patients make – and keep – appointments.

About the Instructor:
Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

Educational Objectives:
After reading chapter 2, dentists will know how to:
  • Evaluate dental card programs
  • Get the maximum number of patients approved at rates that dentists and patients find acceptable
  • Engage staff in implementing third-party patient financing
  • Get patients to accept high interest rates
  • Handle patients who are rejected by financing companies
  • Be perceived as affordable without reducing fees

Continuing Education Quiz FC-2:

Financing & Collections (Chapter 2): Better Ways to Use Dental Financing Cards  
  1. “Discount rate” refers to:
    1. The interest rate the patient incurs
    2. The percentage of the financed amount charged to the dentist
    3. An interest-free period offered to patients approved for third-party financing
  2. To counteract a high discount rate, dentists can:

    1. Obtain a down payment

    2. Write off the percentage of the discount rate deemed unacceptable

    3. Raise fees
    4. A and/or B
    5. A and/or C

  3. True or False: Breaking down interest into a monthly rate can encourage patients to accept high interest rates. 
  4. Interest-free financing options:
    1. Typically appeal to all patients
    2. Can be attractive to new patients

    3. Decrease profits margins

    4. A and B

    5. B and C

  5. Financing rules for PPO and non-PPO patients should be different/the same. (Circle the correct answer.)

  6. True or False: If a patient is rejected for financing, a dentist should consider offering an in-house financing option.

  7. Strategies to minimize the trauma of rejection by dental financing companies include: (Select all that apply.)
    1. Select a third-party financing company that offers applicant pre-approval

    2. Sign up for multiple programs

    3. Apply to several cards simultaneously for each client

    4. Suggest a home equity loan

  8. A correlation does/does not exist between credit worthiness and broken appointments. (Circle the correct answer.)

  9. To be perceived as affordable, without reducing fees, a dentist should consider: (Select all that apply.)

    1. Offering financing

    2. Phasing treatments

    3. “Putting out the fires” first, then presenting long-lasting procedures

    4. Implementing a “sale” on certain procedures

    5. Only offering treatment to credit-worthy applicants



CE Processing:
If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

Dentist Name & Degree: ____________________________________________________
AGD or ADA #: ____________________________________________________________
Phone #: _________________________ Fax #: _________________________________
Email Address: _____________________________
Quiz Completion Date: _______________________________________
Processing Fee: $25
Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
Card Number: ________________________ Expiration Date: ______________________

Signature: ___________________________________ Date: ________________________




Course Title: Financing & Collections (Chapter 3): Better In-House Payment Arrangements – Course FC-3

Release Date: 01/01/2014

Type of Course: Written Text, Self-Instructional

Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

CE Processing: If you wish to claim CE credits:
  • Please download and complete the CE quiz and fax it to us at 203-372-4296.
  • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
  • Please also include credit card information for processing.
  • A processing fee of $25 per quiz will be assessed.
  • CE credits will be awarded only if you attain a correct score of 80% or greater.
  • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
  • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
  • CE processing fees are non-refundable.
Contact Person: Michael Curtis, DMD.
  • Phone: 800-427-2830
  • Fax: 203-372-4734
  • Email: Hundredsofpearls@sbcglobal.net
Dates: CE credits are available January 1, 2014 through December 31, 2014.

Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.



Course Content:
Even in this day and age when third-party financing is commonplace, most patients prefer to pay dentists directly. But what is the best way to implement in-house payment plans without using a third-party vendor? Chapter 3 lays out the steps to set up and operate efficient and effective in-house payment programs. Dentists learn how to accept payments via post-dated  checks, offer patients Pre-Authorized Checks, draft patient bank accounts, and more. Dr. Curtis reveals the hidden costs of sending statements and provides insight on how to implement a pre-payment program. By streamlining the payment process and offering patient-friendly options, dentists increase timely remittance of fees and avoid the frustration of collections.

About the Instructor:
Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

Educational Objectives:
After reading chapter 3, dentists will know how to:
  • Implement payment programs utilizing post-dated checks, pre-authorized checks, and bank drafts
  • Eliminate bounced checks
  • Abolish statement billing
  • Employ pre-payment
  • Retain a flexible schedule that allows for emergencies and lucrative cases

Continuing Education Quiz FC-3:

Financing & Collections (Chapter 3): Better In-House Payment Arrangements 
  1. To keep risks as low as possible when accepting post-dated checks:
    1. Obtain a substantial down payment
    2. Do not accept checks postdated past 30 days

    3. Require a credit card number to bill bounced check fees to

  2. If a patient submits a check by mail, that check can be converted to an electronic transfer:
    1. With pre-signed approval

    2. At specific banks

    3. After a predetermined amount of time

  3. Advantages of Pre-Authorized Checks include:
    1. They are less threatening to patients and staff

    2. They provide a paper trail

    3. There is no limit to the length of payment terms

    4. All of the above

    5. A and C only

  4. National statistics show that the risk of default on automatic bank drafts is:
    1. Less than 1%

    2. 1-2%

    3. More than 5%

  5. True or False: Studies show that patients tend to prioritize dental bills over other expenses, including mortgage payments, utilities, and car payments.
  6. According to Linda Miles, if a patient account goes beyond 90 days, the chance of collecting falls to:
    1. 60%
    2. 40%

    3. 20%

  7. A Dental Practice Report study showed that patients are more apt to pay the full amount of their bills at check-in/check-out. (Circle the correct answer.)

  8. Guaranteed payment arrangements:
    1. Decrease broken appointments
    2. Increase  broken appointments
    3. Do not affect the frequency of broken appointments
  9. True or False: When giving patients a discount for paying in full prior to treatment, extend a larger discount for cash payments.
  10. Dr. Curtis suggests asking for 20-30% prepayment to reserve appointments:
    1. Over 90 minutes in length

    2. Scheduled to occur during the busiest part of the day

    3. For all cosmetic and restorative treatments




CE Processing:
If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

Dentist Name & Degree: ____________________________________________________
AGD or ADA #: ____________________________________________________________
Phone #: _________________________ Fax #: _________________________________
Email Address: _____________________________
Quiz Completion Date: _______________________________________
Processing Fee: $25
Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
Card Number: ________________________ Expiration Date: ______________________

Signature: ___________________________________ Date: ________________________




Course Title: Financing & Collections (Chapters 4 and 5): How to Fix Pay-As-You-Go/Payment Policy – A New Approach: Different Policies for Different Patients – Course FC-4-5

Release Date: 01/01/2014

Type of Course: Written Text, Self-Instructional

Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

CE Processing: If you wish to claim CE credits:
  • Please download and complete the CE quiz and fax it to us at 203-372-4296.
  • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
  • Please also include credit card information for processing.
  • A processing fee of $25 per quiz will be assessed.
  • CE credits will be awarded only if you attain a correct score of 80% or greater.
  • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
  • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
  • CE processing fees are non-refundable.

Contact Person: Michael Curtis, DMD.
  • Phone: 800-427-2830
  • Fax: 203-372-4734
  • Email: Hundredsofpearls@sbcglobal.net

Dates: CE credits are available January 1, 2014 through December 31, 2014.

Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.

Course Content:
If a dentist’s patient flow is increasing, but profits have leveled off or decreased, perhaps outdated payment policies are to blame. Chapter 4 of Dr. Michael Curtis’ Financing & Collections enlightens dentists about the pitfalls of payment procedures that rely on statement billing and computerized copay estimates. He recommends using the Awesome Appointment Card to fix pay-as-you-go problems and prevent patients from cancelling recare appointments or leaving a dentist’s practice altogether. When patients know what to expect regarding payment, good will prevails and dentists are more likely to receive the fees due them for work performed.

Chapter 5 addresses the sensitive subject of implementing different payment policies for different patients. While a dentist may shy away from offering  payment methods based on a patient’s credit history or personal or professional stability, doing so is crucial to obtain fees from patients who refuse to keep a credit card on file with a practice, or who have been irresponsible in remitting payment in the past. In today’s economic climate, dentists who do not make prudent business decisions will watch profits diminish and stress levels increase.


About the Instructor:
Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

Educational Objectives:
After reading chapters 4 and 5, dentists will know how to:
  • Effectively utilize the Awesome Appointment Card
  • Identify the inefficiencies of computer walkout statements
  • Obtain pre-approval information
  • Assess payment remittance risk factors 
  • Implement separate policies for categories of patients
  • Obtain and decipher credit reports
  • Interpret how dental financing companies rate patients
  • Outsource credit checks

  • Continuing Education Quiz FC-4-5:

    Financing & Collections (Chapters 4 and 5): How to Fix Pay-As-You-Go/Payment Policy – A New Approach: Different Policies for Different Patients
    1. Requesting half payment up front and half payment upon completion of a large case encourages:
      1. Broken appointments
      2. Case acceptance for additional treatments
      3. Remittance of timely payments
    2. True or False. The better the patient experience, the less patients are to drift, even with faced with large fees.

    3. Computer-generated estimates are:
      1. Easy to generate
      2. Appreciated by patients because of their detailed language and accurate costs
      3. Too itemized for the average patient and often incorrect
      4. A and B
      5. A and C
    4. The Awesome Appointment Card:
      1. Answers the top seven questions patients have about treatments

      2. Is useful for staff only

      3. Is an impressive practice builder

      4. All of the above

      5. A and C

    5. When assessing credit risk, consider: (Select all that apply.)
      1. Personal stability
      2. Employment stability
      3. Credit history
      4. Past payment history with previous dentists
      5. The type of treatments the patient needs
    6. A FICO score of _________ indicates a reliable payer.

      1. 300 to 400

      2. 500 to 600

      3. 750 or over
    7. What percentage of patients do not want or need detailed or technical procedural descriptions?
      1. 25%
      2. 50%
      3. 80%
    8. True or False: Verbal, as opposed to written, consent for a credit check is considered appropriate.

    9. Credit checks should be performed on: (Select all that apply.)

      1. Patients who request payment plans

      2. All new patients

      3. Patients with a history of late payments

      4. Patient who refuse to keep a credit card or bank account number on file

      5. Patients referred by late payers

    10. The Beacon Payment History shows:
      1. How long it took a person to pay bills in the last 24 months

      2. Total debt obligation

      3. Overextension of credit lines

      4. All of the above

      5. A and B

    11. An overextended credit line is one in which ____________ is utilized at any given time.
      1. 20-25%

      2. 30-35%

      3. 50% or more



    CE Processing:
    If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

    Dentist Name & Degree: ____________________________________________________
    AGD or ADA #: ____________________________________________________________
    Phone #: _________________________ Fax #: _________________________________
    Email Address: _____________________________
    Quiz Completion Date: _______________________________________
    Processing Fee: $25
    Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
    Card Number: ________________________ Expiration Date: ______________________

    Signature: ___________________________________ Date: ________________________




    Course Title: Financing & Collections (Chapter 6): How to Clean Up Overdue Accounts – Course FC-6

    Release Date: 01/01/2014

    Type of Course: Written Text, Self-Instructional

    Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

    Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

    Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

    CE Processing: If you wish to claim CE credits:
    • Please download and complete the CE quiz and fax it to us at 203-372-4296.
    • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
    • Please also include credit card information for processing.
    • A processing fee of $25 per quiz will be assessed.
    • CE credits will be awarded only if you attain a correct score of 80% or greater.
    • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
    • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
    • CE processing fees are non-refundable.

    Contact Person: Michael Curtis, DMD.
    • Phone: 800-427-2830
    • Fax: 203-372-4734
    • Email: Hundredsofpearls@sbcglobal.net
    Dates: CE credits are available January 1, 2014 through December 31, 2014.

    Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.


    Course Content:
    Overdue accounts can sap the energy from dentists and staff, create ill will, and cost a practice significant time and money to collect. Estimates show that in many practices, up to 80% of overdue receivables consist of small balances from uncollected deductibles, higher than expected co-pays, and down coding. Chapter 6 of Financing & Collections by Dr. Michael Curtis lays out strategies dentists can use to proactively eliminate the need for a  large portion of their collections. Dentists also learn how to send effective statements that initiate payment. If collection becomes necessary, Dr. Curtis explains how to make better collection calls, provides samples of letters to send, and delivers insight on when to outsource collections or employ the services of an attorney. Implementing simple steps can increase prompt payment, decrease collections, and forge good will among dentists and their patients. 

    About the Instructor:
    Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

    Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

    Educational Objectives:
    After reading chapter 6, dentists will know how to:
    • Eliminate the need for collections related to insurance billing
    • Assess the best method to obtain payment from delinquent accounts
    • Obtain crucial information to ensure a payment source
    • Gain patient consent to authorize payments to credit cards and bank accounts
    • Utilize the 100s of Pearls Registration and Medical/Dental History forms
    • Send more effective statements
    • Ensure payment is received from emergency cases
    • Make better collections calls and send more effective collections letters
    • Outsource accounts receivable
    • Find patients who leave a practice without providing forwarding information
    Continuing Education Quiz FC-6:

    Financing & Collections (Chapter 6): How to Clean Up Overdue Accounts
    1. Dr. Curtis suggests adding __________ to all estimated co-pays to cover underpayment by insurance companies. 
      1. 5%
      2. 10-15%
      3. A flat fee of $25
    2. It is ____________ to obtain the social security number of a patient’s spouse, in addition to that of the patient.
      1. Not encouraged

      2. Strongly encouraged

      3. Illegal

    3. True or False: To comply with HIPAA law, financial and medical information must be on separate forms.

    4. To encourage patients to pay their dental statement bills, Dr. Curtis suggests: (Select all that apply.) 
      1. Imposing a penalty for late payments
      2. Billing on the 15th of the month
      3. Providing a due date based on the patient’s ability to pay
      4. Including technical information on the bill
    5. When treating emergency patients, it is preferable to:
      1. Avoid addressing payment information
      2. Address payment information up front
      3. Always bill these patients following treatment
    6. When following up on collections, taking payment by phone is encouraged/not reliable. (Circle the correct answer.)

    7. True or False. To collect on unpaid amounts, it is acceptable for a dentist or staff member to present themselves as an attorney or employee of a collection agency.

    8. Statistics show that a collection call is _____ times more effective than a collection letter.
      1. 6

      2. 12

      3. 20

    9. Benefits of outsourcing accounts receivable include: 
      1. A letter from an outside source makes many patients take notice

      2. The burden of collection is removed from staff

      3. It is cheaper than having staff pursue collections

      4. All of the above

      5. B and C only

    10. According to Dr. Curtis, it is preferable to use a collection agency/collection attorney to obtain delinquent payments. (Circle the correct answer.)

    11. What percentage of dental malpractice claims are filed by patients who owe money? 

      1. 15%

      2. 50%

      3. 90%

    12. With regard to collections, which is more effective?

      1. Prevention

      2. Pursuit of unpaid monies

      3. Using an outside source to obtain payment



    CE Processing:
    If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

    Dentist Name & Degree: ____________________________________________________
    AGD or ADA #: ____________________________________________________________
    Phone #: _________________________ Fax #: _________________________________
    Email Address: _____________________________
    Quiz Completion Date: _______________________________________
    Processing Fee: $25
    Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
    Card Number: ________________________ Expiration Date: ______________________

    Signature: ___________________________________ Date: ________________________




    Course Title: Financing & Collections (Chapter 7): Motivating, Training, and Monitoring Staff – Course FC-7

    Release Date: 01/01/2014

    Type of Course: Written Text, Self-Instructional

    Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

    Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

    Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

    CE Processing: If you wish to claim CE credits:
    • Please download and complete the CE quiz and fax it to us at 203-372-4296.
    • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
    • Please also include credit card information for processing.
    • A processing fee of $25 per quiz will be assessed.
    • CE credits will be awarded only if you attain a correct score of 80% or greater.
    • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
    • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
    • CE processing fees are non-refundable.
    Contact Person: Michael Curtis, DMD.
    • Phone: 800-427-2830
    • Fax: 203-372-4734
    • Email: Hundredsofpearls@sbcglobal.net
    Dates: CE credits are available January 1, 2014 through December 31, 2014.

    Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.


    Course Content:
    A happy, efficient staff makes for a happy, efficient, and successful practice.  Dental teams work hard, and that hard work should be acknowledged. But how does a dentist obtain well-trained, organized, proficient staff? In chapter 7 of Financing & Collections, Dr. Curtis tells dentists how to motivate team members to do their best and provides tips and tools to ease the burden of overworked staff. By learning what works and what does not, dentists improve morale, encourage team members to take ownership of their responsibilities, and promote efficiency and effectiveness.  Dentists learn to make their teams work for them, not against them.

    About the Instructor:
    Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

    Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

    Educational Objectives:
    After reading chapter 7, dentists will know how to:
    • Effectively motivate and train staff members

    • Provide tools that foster efficiency

    • Implement technology and associated training

    • Create a positive work environment

    • Coordinate financial activities among staff members

    • Encourage more effective hygiene coordination

    • Automate confirmation calls

    • Detect and prevent fraud and embezzlement



    Continuing Education Quiz FC-7:

    Financing & Collections (Chapter 7): Motivating, Training, and Monitoring Staff
    1. When supplying patients with a payment options handout, considering distributing it: 
      1. Via mail

      2. At the beginning of the appointment

      3. At the end of the appointment during treatment planning

    2. Dr. Curtis suggests devoting _____________ each week to staff training.

      1. 30 minutes
      2. 1 to 2 hours
      3. A full day
    3. When implementing a training system, put in place a bonus system ______________ to encourage participation. 
      1. At the same time

      2. Approximately 4 to 6 into the training

      3. For select employees

    4. According to a recent Gallup poll, employees consider which factor one of the most important aspects of a job.  
      1. Salary

      2. A fun workplace

      3. Vacation time

    5. Delegating treatment presentation to staff can: 
      1. Prevent a dentist from “unselling” a treatment plan

      2. Avoid “sugarcoating” a diagnosis or treatment plan

      3. Make patients feel uncomfortable

      4. A and B

      5. C only

    6. A hygiene assistant can: 
      1. Save time for the hygienist by performing treatment room clean-up and set-up

      2. Perform select hygiene duties to free up the hygienist

      3. Perform the full array of a hygienist’s duties when the hygienist is not available

      4. All of the above

      5. A and B only

    7. Automating confirmation calls:

      1. Saves valuable time for staff members
      2. Violates HIPAA regulations
      3. Is not a personal approach and, therefore, not recommended
    8. Dr. Don Lewis states that one in _____ dentists will be a victim of embezzlement.

      1. 2
      2. 4
      3. 10
    9. Tips to avoid embezzlement include: (Select all that apply.)

      1. Reconciling cash daily

      2. Consolidating work activities so that one person assumes all responsibility for payments, deposits, and other financial activities

      3. Getting bonded

      4. Making surprise visits to the office



    CE Processing:
    If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

    Dentist Name & Degree: ____________________________________________________
    AGD or ADA #: ____________________________________________________________
    Phone #: _________________________ Fax #: _________________________________
    Email Address: _____________________________
    Quiz Completion Date: _______________________________________
    Processing Fee: $25
    Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
    Card Number: ________________________ Expiration Date: ______________________

    Signature: ___________________________________ Date: ________________________




    Course Title: Financing & Collections (Chapters 8 and 9): Real-Life Interactions/How to Know Your Practice Finances in 15 Minutes per Month – Course FC-8-9

    Release 01/01/2014

    Type of Course: Written Text, Self-Instructional

    Program Provider: Hundreds of Pearls, L.L.C., C/O Dr. Michael Curtis, 4699 Main Street, Suite 100, Bridgeport, CT 06606

    Credits: This self-instructional program qualifies for 1 Continuing Education (CE) credit hour.

    Purchase Price: $109 for each book (all chapters), though you may claim CE credits for sub-sections of each book. The 100s of Pearls books have a 100% money-back guarantee for one full year following your purchase. If you are not satisfied in any way, simply return the materials for a full refund of your purchase price.

    CE Processing: If you wish to claim CE credits:
    • Please download and complete the CE quiz and fax it to us at 203-372-4296.
    • You must include your name, degree, address, phone number, fax number, email address, AGD or ADA number, and the date you took the quiz.
    • Please also include credit card information for processing.
    • A processing fee of $25 per quiz will be assessed.
    • CE credits will be awarded only if you attain a correct score of 80% or greater.
    • If successful, a certificate of completion and the credits earned will be faxed back to you. If an 80% grade is not achieved, you will be notified.
    • You may take the CE quiz an unlimited number of times. A separate processing fee will be assessed each time you submit a quiz.
    • CE processing fees are non-refundable.

    Contact Person: Michael Curtis, DMD.
    • Phone: 800-427-2830
    • Fax: 203-372-4734
    • Email: Hundredsofpearls@sbcglobal.net

    Dates: CE credits are available January 1, 2014 through December 31, 2014.

    Commercial Support: Hundreds of Pearls, L.L.C. and Dr. Michael Curtis did not receive any commercial support from any entity during the writing of these materials.

    Course Content:
    Like most things, effective payment collection takes practice. Dentists and their teams are in contact with patients five days a week, maybe more. Staff members must know what to say to collect payment, as well as how to say it. Dr. Curtis gives dentists practical information to proactively address collections and effectively handle the myriad issues that arise. The real-life interactions provided in the book are easy to master and vital to success in the often difficult arena of fee collection. 

    In chapter 9 of Financing & Collections, Dr. Curtis helps dentist assess practice finances to maximize profitability and improve collection of unpaid balances. He describes the Super 6 Statistics to analyze how well a dentist is collecting, as well as additional factors that impact a practice’s bottom line and contribute to increased collections and professional success. 


    About the Instructor:
    Michael Curtis, DMD is the founder, editor, and president of Hundreds of Pearls. Thousands of his “100s of Pearls” books have sold in all 50 states and 19 countries around the world. Dr. Curtis graduated from the University of Pennsylvania in 1978, where he received several scholarships and awards. He then completed two years of residency training at Albert Einstein Medical Center in Philadelphia and Montefiore Hospital in New York. Dr. Curtis has served as an instructor at both the University of Connecticut and New York University Dental Schools.

    Over his 30 years in practice, Dr. Curtis has seen dentists grow increasingly confused and frustrated with the avalanche of information scattered into innumerable courses, books, articles, CDs and web sources. To help cut through the confusion, he has assembled “100s of pearls" for easier, faster, better clinical dentistry, enhanced practice administration, greater efficiency, and increased profitability. His Motto: "Here's What You Need to Know." Dr. Curtis has been a member of the American Dental Association, Academy of General Dentistry, and numerous other dental organizations. He has written extensively in numerous dental magazines and been interviewed for several webinars and CDs.

    Educational Objectives:
    After reading chapter 8 and 9, dentists will know how to:
    • Train staff to handle collection issues

    • Effectively initiate collections

    • Present fees

    • Counter arguments and excuses presented by patients regarding non-payment

    • Handle declined checks and credit cards

    • Fill appointments broken at the last minute

    • Deal with callers who want specific prices for treatments

    • Initiate conversation about payment

    • Implement higher fees, even in a down economy

    • Handle upset patients

    • Schedule emergency appointments

    • Monitor statistics to determine collection affectivity

    • Evaluate why balances exist

    • Determine collection ratio

    Continuing Education Quiz FC-8-9:

    Financing & Collections (Chapters 8 and 9): Real-Life Interactions/How to Know Your Practice Finances in 15 Minutes per Month
    1. To effectively collect payments, ___________ must be able to answer common questions about the office’s financial policy.
      1. The dentist and a select few team members

      2. The dentist and front-desk personnel only

      3. Everyone working in the dentist’s office

    2. The time to handle collections is _____________ treatment.
      1. Before

      2. During

      3. After

    3. One way to encourage patients to pay high fees for extensive treatments is to:

      1. Lower the fees if patients balk

      2. Break the fees into monthly increments

      3. Suggest less expensive options

    4. When presenting fee information, the word/term loan/payment plan is more attractive to patients. (Circle the correct answer.)

    5. If a patient claims that a treatment costs too much:

      1. Agree, dentistry is expensive

      2. Suggest payment options

      3. Refute the claim by providing technical information regarding why the treatment is needed

      4. A and B

      5. B and C

    6. True or False: It is never acceptable to alter payment policy details based on a client’s personal situation.

    7. A dentist can/cannot legally refuse to release X-rays and records at a patient’s request. (Circle the correct answer.)

    8. Once a dentist has begun work on a client, he/she:
      1. Is legally obligated to complete the work

      2. Does not have to complete the work if payment is not received

      3. Can choose to continue the work on a patient-by-patient basis

    9. If a patient writes “paid in full” on a personal check that does not complete his/her payment obligations:
      1. A dentist or staff member can simply cross it out

      2. Written authorization from the patient must be received to cross it out

      3. These words are not binding legally

    10. Dr. Curtis suggests itemizing/grouping fees when discussing treatments plans. (Circle the correct answer.)

    11. Which factor more dramatically impacts case acceptance? Specific price or affordability. (Circle the correct answer.)

    12. Emergency patients should be asked to arrive:
      1. 30 minutes prior to their appointment to complete paperwork and discuss payment options

      2. On time for their appointment – paperwork can be completed following treatment

      3. Whenever they can make it

    13. True or False: A key determiner of how effectively a dentist collects payments is the number of monthly statements sent and whether that number fluctuates up or down.

    14. The Awesome Appointment Card lets dentists:
      1. Track missing, broken, and cancelled appointments

      2. Discover which treatments are not “selling”

      3. Determine the impact of changed fees or policies on case acceptance

      4. All of the above

      5. A and C only

    15. The best indicator of practice success may be:
      1. The number of monthly statements sent

      2. Current patients’ willingness to refer friends and family

      3. Per hour fee calculations




    CE Processing:
    If you wish to claim CE credits, please download and complete the CE quiz and provide the following information. Fax the completed quiz and form to us at 203-372-4734.

    Dentist Name & Degree: ____________________________________________________
    AGD or ADA #: ____________________________________________________________
    Phone #: _________________________ Fax #: _________________________________
    Email Address: _____________________________
    Quiz Completion Date: _______________________________________
    Processing Fee: $25
    Credit Card: (check one) American Express _____ MasterCard _____ Visa _____
    Card Number: ________________________ Expiration Date: ______________________

    Signature: ___________________________________ Date: ________________________



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