The Facts about "Dental Insurance"

Tuesday, March 24, 2009 by Elana Krutoff

Dental insurance is a great supplement to help offset some of the costs associated with routine dental care. We strive to maximize your

Generally, dental insurance only pays a portion of your dental care.  We strive to maximize your insurance benefits based on your coverage and policy limitations.  

Your specific insurance plan is a contract purchased by your employer from an insurance provider.  The terms of the plan are set by your employer.  Most employers offer several tiers of plans with different coverage schedules, deductibles and maximum allowances.  At all times, you can be confident that we will always provide you with our best services without regard to the limitations imposed by your insurance coverage.  To do otherwise would violate our contract with you — a contract we feel morally obliged to honor.  

There are as many different dental plans as there are contracts.  Your employer has selected your plan and is ultimately responsible for how your contract is designed.  Remember, Whether your plan covers a major portion of your dental bill, or only a small amount, dental benefits are good for patients because they help pay for needed treatment.  It is important to know that each contract will specify what types of procedures are considered for benefits. Even if a procedure is medically or dentally necessary, it may be excluded from your contract.  This does not mean that you do not need the procedure.  It simply means that your dental plan will not consider the procedure for payment.  For example discretionary dental services such as cosmetic dentistry and some necessary services such as dental implants or night guards are often excluded from a dental plan.





 

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