Understanding Dental Insurance

Dental insurance has been around for over 30 years. The typical maximum benefit then was around $1000 for a calendar year. Some 30 years later, the maximum yearly limit is still $1000, yet premiums have risen substantially. As a result, insurance companies limit what they cover, and prolong the reimbursement process with unnecessary, and repetitive paperwork. Ultimately, it is the patient that suffers from this. Remember, the insurance companies are a business, and are hoping that their clients never even use their benefits. PPO’s (Preferred Providers) does not mean you are ‘required’ to go to a participating provider. If you go out of “network” you are still entitled to your benefits. Although I do not participate with any PPO’s, you can still come to me and maintain your benefits. Payment is expected at the time of service, and we will file all claims for you. You just open you mailbox and look for the check. Many insurance companies use the “LAB” principle. It stands for Least Alternative Benefit” It basically means that they will pay for the cheapest material or treatment they consider adequate for you. This is a very broad power given to someone behind a desk that has never examined you. Consider insurance as a “pre-paid “ gift certificate that is good for $1000 or so, and it expires December 31 of any calendar year if not used. Insurance companies know most people do not go to a dentist regularly, and sometimes just for two cleanings per year… the cost of a good haircut! Yet, they received full fee for the premiums. But what is the good news? The good news is you have $1000 or so due to you for your treatment!!!!!! We will gladly file for you, and as previously mentioned, you can still see me although I am not a preferred provider. We will do everything to maximize the benefits due to you. So, don’t procrastinate any longer. Get your mouth back to the healthy, beautiful condition it was meant to be in. In addition, we accept multiple forms of payment for your convenience. They include checks, and all major credit cards. We also offer financing options, ranging from 1 year interest-free, to as long as 5 years. Our goal is to help you achieve the health and smile you always wanted and deserve, and make it affordable.