We believe you deserve the best care. That's why we always
present you with the best dental solution possible to treat
your personal situation. Each year we provide outstanding care
to hundreds of people. Some have dental benefits, but most
don't. If you have dental benefits, congratulations! You are
very fortunate. Here are some important things you should know:
Your dental benefits are based upon a contract made between your employer and
an insurance company. If you have any questions regarding your dental benefits
please contact your employer or insurance company directly.
Dental benefits differ greatly from medical benefits. In 1959, most dental
benefit plans had a yearly maximum cap of $1000. You'll be surprised to know
today that the average dental benefit plan has a yearly maximum cap of $1000.
There has been no significant increase in the yearly maximum cap in 40 years!
However, there have been significant increases in your premiums. Dental benefits
will never pay for the completion of your dental care. It is only meant to
assist you.
Many people receive notification from their insurance company that dental fees
are above usual and customary. An insurance company determines their reimbursement
level by surveying a geographical area, calculating the average fee, then determines
that 80% of the average fee is customary. Included in this survey are discount
dental clinics and managed care facilities, which have severely reduced dental
fees that bring down the average. Any doctor in private practice will have
fees that insurance companies define as higher than usual and customary.
Insurance companies
do not recognize many routine and newer dental services
Many dental benefit plans tell their participants that they will be covered
up to 80% or 100% but do not clearly specify the plan fee schedule allowance,
annual maximum or limitations. It is more realistic to expect dental benefits
plans to cover between 25%-40% of dental services. Remember that the amount
a plan reimburses is determined by how much your employer has paid for your
dental benefit plan. You will get back only what your employer has put in less
the insurance company's profit margin.
We will do our best to help coordinate your dental benefits
so that you receive the maximum possible reimbursement for
the services we have provided you.
As a courtesy, our staff will gladly provide you with any
necessary forms or submit any paperwork on your behalf to assist
you in receiving direct reimbursement by your insurance carrier.
Excellent dental care is available with or without dental
benefits. We hope you choose the best that dentistry
has to offer.