Best Dental Coverage - Near You

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.

Maximizing The Benefits Of Your Dental Team

The new dentistry brings together a unique complement of skills, knowledge, and capabilities with one primary focus: ensuring your dental health care. Working as a team, your dentist and the dental finance team he or she has assembled wants to recruit you to join them in making sure this focus is maintained. The dental team has two major parts that you may hear referenced during your visits: the "back" and the "front." These terms refer to two very specific functions of your dental team. The front office handles all the administration, scheduling, and dental financing, and the back office provides the treatment.

Your front office team makes sure you know about scheduling opportunities, handles dental finance, and keeps the administrative details under control to provide you efficient services and support. The back office team is thus free to do what they do best: provide the best dental health care, financing health care and service for you. You'll find the dentist, dental hygienist, and dental assistant ready to assist you during your appointments.

The key component for success of any team is each member's commitment to do their part. As a consumer and team member, your commitment involves three things:

• Maintaining your commitment to your dental health through regular hygiene appointments and the daily practice of flossing and brushing.
• Asking questions and getting the essential information you need about your teeth and gums or to understand any treatment plans or dental financing.
• Staying open to options and opportunities that the new dentistry offers you by thinking about the information and feedback that your dentist provides you about the status of your dental health.

You can maximize the benefits of the skills and expertise of your dental finance team by deciding for yourself what kind of relationship you want with your dentist and the dental team and how they can help you achieve a positive outcome for your dental future.

By Brian DesRoches, PhD

+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.