Partial Dentures - Near You in Northville, MI
Drs. Jeffrey and Stephanie Jaghab & Associates
Appointments: (248) 349-2750
Jeffrey Jaghab D.D.S.
Drs. Jeffrey and Stephanie Jaghab & Associates
416 South Main Street
Northville, MI 48167
More Dental Financing Dentists in the Northville, MI Area Near You
Michael J Novello D.D.S. Plc
2500 Cedar St
Holt, MI, 48842
(517) 694-3111
Gerald J Schloff D.D.S. Pc
1601 Marquette St Ste 2
Bay City, MI, 48706
(989) 686-1133
Doctor - Activate Your Free 1stDentalFinancing Directory Listing
Thomas C Phares D.D.S.
291 W Lakewood Blvd
Holland, MI, 49424
(616) 396-7502
Bruce S Sherizen D.D.S.
18263 Fort St
Riverview, MI, 48193
(734) 284-2620
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.
Scheduling and Planning for Dental Financing
Long-term dentistry always works best with a plan. So as each New Year begins, some dentists sit down with their patients and organize dental health care - in phases - for the coming year.
In the spirit of prevention, one patient might be scheduled for cleanings and periodic examinations to watch closely for developing problems, and catch them before they grow. Another patient may call for complex restoration and will visit more often; in this case, the dentist will propose treatment step by step, over time.
Prearranged care makes sense. You know what to expect from the practice, and can plan your time and dental costs accordingly. By phasing treatment, your dental fees are minimized and, in the end, you still arrive at the same finished product - a healthier you. Moreover, you'll rest assured, knowing you're getting the care you need. Because postponed dentistry inevitably means more dentistry.
For with dental insurance, tight guidelines are in place for pre-determination of coverage, submitting claims, and timely reimbursement. As treatment is planned for the year, you must monitor your benefits "bank" through the months, to be sure you're making the most out of your coverage. When year-end approaches, treatment may accelerate to take advantage of any remaining dental financing benefits before the next New Year, and a new deductible.
Everyone is different: different needs, comfort level, and financial situation. So most dentists are flexible. Insured or not, patients deserve choices. Your dentist is willing to work with you and arrive at a schedule that suits you, a schedule you'll both respect.
+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.
