Fact 1 - NO INSURANCE PAYS 100% OF DENTAL CARE
Dental insurance is meant to be an aid in receiving dental care. Many patients believe that their insurance pays 90%-100% of all dental fees. In reality, most plans only pay between 50%-80% of the insurance company's predetermined fee schedule. Some pay more, some pay less.
Both the fee schedule and the percentage paid is usually determined by how much you or your employer has paid for coverage or the type of contract your employer has set up with the insurance company.
Fact 2 - BENEFITS ARE NOT DETERMINED BY THE DENTIST
You may have noticed that your dental insurer generally reimburses you or the dentist at a lower rate than the dentist's actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist's fee has exceeded the usual, customary, or reasonable fee ("UCR") used by the company.
A statement such as this gives the impression that any fee greater than the amount paid by the insurance company is unreasonable or well above what most dentists in the area charge for a certain service. This can be very misleading and simply is not accurate.
Fact 3 - WE WORK WITH ALL INSURANCE PLANS
We will work with all insurance plans. There is no direct relationship between our office and your insurance company. Your insurance benefits are determined by the type of plan chosen by you and/or your employer. As such, we have no say in the selection of your insurance company, no control over the terms, the method of reimbursement or the determination of your insurance benefits. Therefore we do not accept assignment of benefits from your insurance company. As professionals treating your children, we want 100% control over the treatment, procedures, x-rays, etc. We will recommend only what we feel is necessary, not what your insurance policy dictates for your child. Your understanding and cooperation with this is greatly appreciated. You are helping keep our expenses, in the form of direct and labor costs, down. In addition, you are helping keep your fees as low as possible.
