About dental insurance
During the past decade, dental benefit plans have become an integral part of health care planning for many families. Dental benefit plans are made available to employees or members through companies, unions and associations, and many vary considerably from one plan to the next. The range of benefits depends solely on what the purchaser wishes to offer employees or members. Some plans may cover as little as 30% or as much as 100% of dental services, with most falling in the 50% to 80% range. Some plans exclude certain types of services, i.e., orthodontics, while other plans will cover a full range of dental services.
- Your insurance is a contract between you, your employer and the insurance company.
- The type of treatment you need and receive from our practice is based on professional judgment, not on whether you are covered by a dental plan.
- Our fees are generally considered to fall within the acceptable range by most companies, and therefore are covered up to the maximum determined by each carrier. This statement does not apply to companies which reimburse based on an arbitrary schedule of fees, which bears no relationship to the current standard and cost of care in this area.
- Not all services are a covered benefit in all contracts. Some insurance companies arbitrarily select certain services they will not cover.
If you believe that the dental benefits provided by your plan are inadequate, you may want to discuss the matter with your employer or association so that appropriate alternatives can be investigated. We can help to provide you with several ideas of alternatives that other organizations have found beneficial.
We will help in every way in filing your claims, handling insurance queries, processing follow-ups, tracing lost claims, etc. No question is too small for you to ask, whether it is about your treatment, benefit plan or statement. Stop in or call any time you have a question. We are here to help you.