 Consider long-term results
The least expensive treatment may not be the most durable, beneficial
treatment choice. Generally, you will save money in the long run
by opting for higher quality treatment, as better quality materials
last longer and offer better appearance and improved performance. |
 Indemnity plans most common
If you have an indemnity plan, you're likely familiar with the term "usual,
customary and reasonable" (UCR). Insurance companies base benefits
on these fees, which may not accurately represent actual dental fees.
They may even be arbitrary fees set by insurance companies. |
 INFORMATION FOR OUR PATIENTS WITH DENTAL INSURANCE
Dental insurance is playing a
larger and larger role in helping people obtain dental treatment. Since we feel
strongly that our patients deserve the best dental care we can provide, and in an effort to maintain a
high quality of care, we would like to share some facts about dental insurance with you.
We consider our relationship with you to be of primary importance and will always make our recommendations to you based on what we believe is the very best treatment for you regardless of your insurance coverage. As the patient, it is your responsibility to deal with your insurance company and your employer.
We will assist in any way possible to maximize your dental insurance benefits, but to reemphasize, we have
no relationship or responsibility to your insurance company.
- FACT #1: Dental Insurance is not meant to be a "PAY-ALL", it is only meant to be an aid.
- FACT #2: Many plans tell their insured that they will be covered "up to 80%" or "up to 100%". In spite of
what you're told; we've found many plans cover 40% to 50% of an average fee. Some plans pay more....some
pay less. The amount your plan pays is determined by the contribution you and your employer make to
your dental plan. The smaller the contribution paid into the plan for "insurance", the less you'll receive. It is
your responsibility to advise us of your insurance coverages and restrictions.
- FACT #3: It has been the experience of many dentists that some insurance companies tell their customers
that "fees are above the usual and customary fees" rather than saying to them that "our benefits are low".
Remember you get back only what you and your employer put into your insurance coverage less the profits of
the insurance company. In dealing with over 50 dental insurance plans, most plans do cover our fees.
- FACT #4: Each plan utilized in our office has different
percentages, deductibles, maximums, procedures covered, and varying
fees that the plan will allow. We will do our very best to make
as close a calculation as possible of what your insurance plan
will cover. However, as we cannot estimate precisely, there may be
variances for which the patient is individually responsible.
- FACT #5: Many routine dental services are NOT covered by insurance carriers. We make our recommendations based on your needs and not on what your insurance may or may not cover.
Please do not hesitate to ask us any questions about our office policies. We want you to be comfortable in
dealing with these matters and we urge you to consult us if you have any questions regarding our services
and/or fees. We will fill out and file insurance forms at no charge. We will do all we can to assure you of your
maximum benefits.
If you have any questions regarding your insurance, please contact your insurance carrier regarding the
specifics and details of the plan they are operation on your behalf. |
