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Dental Insurance, What Should You Know

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 or dental credit, 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 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 dentistry services are not covered by dental insurance at all. Again, what is covered and what is not is determined by what benefits and dental payment 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.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

General Dentistry Care: Frequently Asked Questions

Q. When would you consider tooth bleaching?

A. You would consider tooth bleaching if your teeth have yellowed with age or are stained from tobacco, tea, coffee or food.

Q. What are the practical expectations of tooth bleaching?

A. Every case is different, but generally there is a two-shade improvement as seen on a dentist's shade guide. The success rate relies on the types of stain involved, your compliance, and the material and method used.

Q. How long does tooth bleaching last?

A. Depending on your personal habits such as smoking and drinking coffee or tea, tooth whitening should last from one to five years.

Q. Do over-the-counter bleaching products work?

A. Some over-the-counter bleaching products do whiten teeth, but many of the products can damage teeth with extended use or misuse because they are too abrasive or use ill-fitting trays. Some materials contain titanium dioxide that actually put a temporary pigment coating on the teeth. Although small doses of titanium dioxide are considered safe, the net effect is to put a layer of "paint" on the teeth that is soon lost.

Q. What is orthodontics?

A. Orthodontics, also known as malocclusion or “bad bite”, is the branch of dentistry that specializes in the diagnosis, prevention and treatment of dental and facial irregularities.

Q. What is an orthodontist?

A. An orthodontist is a dentist who has undergone specialized training to require the advanced qualifications and specialized skills required to give their patients quality treatment.

Q. What causes orthodontic problems?

A. Most orthodontic problems are inherited, but some are acquired.

Q. What is the importance of orthodontic treatment?

A. Orthodontic treatment is important because crooked and crowded teeth are hard to clean and maintain. This may lead to conditions tooth decay, but eventually cause gum disease and tooth loss. Malocclusion (bad bite) can also lead to pain associated with TMD.

Q. What does orthodontic treatment involve?

A. Orthodontic treatment usually involves wearing braces prescribed and designed by the orthodontist. You may feel some tenderness as the teeth start to move. By placing a constant, gentle force in a carefully controlled direction, braces can slowly move teeth through their supporting bone to a new desirable position.

Q. How long does orthodontic treatment take?

A. Generally, orthodontic treatment time with braces ranges from 1 to 3 years. Early treatment procedures may take only a few months. The actual time depends on the growth of the patient's mouth and face, the cooperation of the patient and the how severe the problem is.

Q. How much does orthodontic treatment cost?

A. The actual cost of treatment relies very much on the individual case and depends largely on the length and complexity of treatment.

Q. What toothpaste should your child use?

A. You should use a match-head sized amount of toothpaste. The use of toothpaste should not begin until 2 years of age.

Q. When should you start taking children to see a dentist?

A. It is recommended that children see a dentist by age one and definitely by 16 months of age.

Q. How often should a child see a dentist?

A. It is recommended that the child be seen every six months after the initial examination.

Q. Why is it important to care for primary or baby teeth?

A. It is important to care for primary teeth because they are much more susceptible to tooth decay than the permanent teeth. There are many other reasons.

Q. How are digitized X-rays beneficial?

A. Digitized X-rays reduce the exposure of radiation to the patient, and eliminate the film and darkroom processing within the dental office.