Facts About Dental Insurance
Facts You Should Know About Your Insurance Benefits
Dental insurance has become a major factor in helping people obtain necessary dental treatment. We feel our patients deserve the best in dental treatment with the maximum in dental benefits and we would like to share some general facts about dental insurance.
FACT # 1.
Were you aware that dental insurance is not meant to be a PAY-ALL? It is only meant to be an aid to you, THE PATIENT. When making decisions about your dental health, who do you want to aid you in your decision-making: the insurance business who only wants to make a profit, or someone who has only your well-being as their top priority?
FACT # 2.
Did you know that many plans tell their insured (YOU) that they will be covered "up to 80% or up to 100%"? In spite of what you're told, most plans cover about 50%-60% of an average fee that is set by the insurance carrier. Some plans pay more—some less. Were you aware that the amount your plan pays is determined by how much your employer paid for the plan? Unfortunately, the less money paid for the plan, the less benefit you will receive.
FACT # 3.
The insurance company should say: "our benefits are low for your plan". Remember, you get back only what your employer puts in, minus the profits of your insurance company. Many insurance companies tell insured members that their doctors' fees are "above the usual and customary fees", which may lead the patient to believe that they are being overcharged. Guess who sets those fees? The Insurance Company!
FACT # 4.
Did you also know that many routine dental services are NOT covered by insurance policies? Many services are "underwritten with restrictions or no coverage" due to how much the employer wants to spend on the benefit plan.
FACT # 5.
We hope that you will be happy with our services and the quality of dentistry that you deserve and will receive from our practice. Fortunately for our patients, we will not allow any insurance company to dictate the fees or compromise the quality of care you will receive from our practice. We provide a service for a fee and will help you to maximize your dental benefits. To ensure the ultimate oral health of all of our patients, we cannot take responsibility for what insurance carriers will or will not pay.
Please do not hesitate to ask any questions about your benefits with our experts. We want you to be comfortable in dealing with these matters and we urge you to consult with us if you have any questions regarding our services. As a courtesy to you, we will fill out and file insurance claims for your dental services.
If you have any questions or concerns regarding your insurance coverage, we will be happy to help you contact your insurance carrier directly, regarding the specifics and details of the plan your employer has purchased on your behalf.
