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, 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 they paid
for the insurance, the less you will receive.
EXAMPLE:
- Costs a lot of money
- Deductible is $50.00
- Pays $84.00 on a filling
- Yearly maximum is $1,000
Plan B
- Cost ½ the amount of money
- Deductible is $100.00
- Pays $35.00 on a filling
- 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 "allowable"
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
dental services are not covered by dental insurance at all. Again, what is
covered and what is not is determined by what benefits and dental fee 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.
Reference - Internet Dental Alliance
