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Why is dental insurance so confusing?

3 Basics of Dental Insurance

1) Dental insurance is an excellent financial tool that tends to be better for helping people cover basic care. It usually pays very well for teeth cleanings, x-rays, and exams, but if you need an extensive amount of work done, your coverage will likely be limited.

2) Dental insurance will help you to complete a certain amount of treatment per year by paying a maximum of $1000 to $2000 per year. This is considered a use-it-or-lose-it benefit, which means that it does not carry over from year-to-year, even if you don’t have any work done. Our goal is to always help you minimize your out-of-pocket expenses and maximize your benefits. This can be done by understanding how dental plans work, which our office does by making a comprehensive plan for your care and by helping you to understand the priorities.

3) You decide where you go to the dentist…not your insurance company. You make the decision to choose us, the right place for you and we will process your dental insurance plan so there are no hidden costs that you are unaware of prior to your treatment. We help all patients maximize their benefits by processing their claims. You will be happy to know that the majority of our out-of- network patients tell us that for many services they pay the same and for other services they may only pay a little more out of pocket to have the dentist of their choice. Don’t let your employer “ in-network” list decide for you. Our patients are telling us that they are not able to find the quality of care and exceptional customer service that our office provides anywhere else. We assure you, you will be glad you chose us.

Why Choose an Out-of-Network Dentist?

Due to low reimbursement rates to “in-network” dental practices, dentists are often pushed to cut corners on your actual treatment or schedule your appointment next to ten other people, not allowing ample time to invest in the best overall quality of care for you. This leads to long wait times and a greater possibility of suboptimal care for you the patient, leading to more complications and more office visits. Don’t let your insurance decide where you go to the dentist. We help all patients maximize their benefits by processing their claims and submitting claims to all insurance companies. Our patients agree that the minimal reimbursement difference between in-network and out-of-network dental providers is negligible when compared to the peace-of-mind and confidence in good quality care.

Further Reading on Dental Insurance

Investopedia: Does Dental Insurance Work?

Understanding Different Models of Dental Insurance