Dental Insurance, What Should You Know
by Internet Dental
Alliance
Dental insurance is not meant to be a pay-all.
It's only meant to be an aid. You are very fortunate if you have dental
insurance coverage and don't have to pay the entire
dental fee plan out of your own
pocket. Many patients don't have any dental insurance at all.
Some patients have excellent dental insurance policies, some have fair
policies, and some have poor policies.
Many plans tell you you'll be covered up to 80% - 100%. In spite of what
you're told, most plans cover only 15% - 70% of the
average
dental fee plan. We realize that every bit of help you get from your
insurance company is a big help, and we are glad you have coverage.
However, it must be understood that how much your policy covers has
already been determined by how much your employer paid for your insurance
policy. The less he/she paid for the insurance, the less you'll receive.
FOR EXAMPLE:
|
PLAN A |
PLAN
B |
|
Costs a lot of
money |
Costs 1/2 the
amount
|
Deductible is $50.00
|
Deductible is $100.00
|
Pays $84.00 on a filling
|
Pays $35.00 on a filling
|
|
Yearly maximum is $1,000 |
Yearly maximum is $800 |
It has been the
experience of many dentists that some insurance companies tell their
customers that "fees are above the usual and customary" rather than saying
"our benefits are low."
Your insurance company sets the "allowables" or "a usual and customary
dental fee plan"
depending on how much your employer paid for your policy. It's just like
your car insurance. The lower the benefits you choose, the less it costs
you in premiums.
Many necessary routine
dental services are not covered by dental insurance at all.
Again, what is covered and what is not is determined by what
benefits and
dental fee plan your employer purchased for you.
We do not believe it is in your best interest for your
treatment to be compromised in order to accommodate an insurance policy's
restrictions that may provide you with a quality of care that is
considerably less than you deserve.
We strongly
feel that you, not your insurance company, should choose the treatment you
feel is best for you.
|
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