We participate in many dental insurance plans and are eager to help you with your claims. In this regard, we offer the following tips:
When you come to an appointment, please bring a claim form with your portion completed and signed, where appropriate.
Take advantage of the pre-treatment estimate feature for more extensive dental care. This allows you to discover the costs your insurance carrier will cover prior to the start of extensive treatment. Remember that except for preventive and diagnostic services, most plans pay only a portion of your fee. You are responsible for any amount not covered by your plan. We will be happy to assist you in handling your insurance claims. We request that you settle your account with us and have your insurance carrier reimburse you for the services provided. Please do not request that we alter dates of treatment or falsify insurance claims. This is illegal and can be disastrous for all concerned.
How Most Medical Insurance Plans Work
A typical insurance plan is designed to protect a person against loss. For example, auto and home insurance is designed to replace your car or home in the event of catastrophic loss. These insurance plans generally include a deductible intended to limit the company’s involvement to large claims. Medical insurance has traditionally worked in a similar fashion. In all of these plans, the maximum limit on payment is large enough to cover even the most severe loss.
How Most Dental Plans Work
Dental insurance works differently. Dental insurance almost always has a relatively low maximum payment; some also have a deductible. The maximum limits are usually $1000 or $2000 per year and deductibles can be as high as $500. All expenses below the deductible and above the maximum limit are to be paid by the patient. In the event of an abscessed molar tooth (a very common event in dentistry), such insurance coverage will often not cover the cost of the required root canal, post, and crown treatment. Many companies limit the amount they pay on given procedure. Often these allowances are less than the cost of the services you need. In addition, most state-of-the-art procedures are not covered at all. Many of these programs are useful only for maintenance care (where allowances are more appropriate) but provide relatively little assistance when restorative work is required.