So, You’ve Got Dental Insurance?

Congratulations, it’s a great thing to have! It’s also a source of a lot of confusion and common misconceptions. Here are a few that come up a lot…
Fiction : Dental Insurance Is Similar To Medical Insurance.
Fact: Dental benefits can help pay for limited services (such as exams, x-rays and cleanings) and some basic services (a handful of fillings). But the more teeth you have that need care, and the more complex the services you require, the less helpful your dental plan becomes. For example, two teeth needing crowns or a single tooth needing a root canal and a crown will typically eat up an entire year’s benefits.
The truth is, dental benefits are just that “benefits”. It is not “insurance”.
You see, “insurance” by its very nature limits your liability .
That is,no matter how sick you get, your medical insurance is designed to protect you from financial hardship. Your dental plan, on the other hand, will only pay so much per year, no matter how badly you need care. It’s designed to limit the insurance company’s liability. Whether you need $200 or $2000 worth of dental care, the insurance company will only pay up to an agreed-upon annual maximum. ** The amount agreed upon, and the specific details of your plan, are arranged by your employer and/or HR department.
Fiction: I Should Limit My Treatment To Only Those Items Covered By My Dental Benefits.
Fact: Doctors have an ethical obligation to diagnose and share their findings with you. We base treatment recommendations on the needs of the patient, not the limitations of the benefits. Naturally, we respect your right to make decisions regarding your oral health, but we want you to be totally informed.
Fiction: If The Doctor Is Not On My Plan, I Will Not Receive Any Benefits.
Fact: It all depends on the plan. Even if we don’t work directly with a particular plan, we will submit the claim for you. We ask that you pay us at the time of service, and it is possible –although not guaranteed–that you will receive some reimbursement from the insurance company.
Fiction: Insurance Companies Are A Good Source Of Information Regarding Dental Fees.
Fact: Insurance companies base their “usual and customary” fees on averages for a particular region or zip code. Most are sorely outdated. The companies have no incentive to keep these statistics up to date (because it would cost them more money,) and our practice is not average. The fees you pay here reflect the quality of the care you receive.
Fiction: If There Is A Big Difference Between Your Fees And The Amount The Insurance Company Will Pay, Then Your Fees Must Be Too High.
Fact: Insurance company maximums have barely increased in the last fifty years! The very first dental insurance was offered in 1960, and it covered $1000 per year. Back then, that would pay for a lot of dentistry!
In the meantime, the price of everything has gone up AND, there have been many scientific advances in dentistry that we incorporate into our practice for your benefit. We provide 21st century dentistry, and we are certain that you would not like us to turn the clock back and only offer you what was available in the 1960s.
Fiction: I Have 100% Coverage.
Fact: There is no such thing as full coverage. However, we will do everything possible to help you maximize your benefits. We will also work with you and offer you several options to help you stretch out payments over time.***
** The most common annual maximum is $1000, same as it was in 1960, when the first dental plans were launched.
***Ask us about our third party financing through Care Credit. Once you establish a line of credit, you can use it for other healthcare expenses as well, such as veterinary bills, eye care, and more.