Understanding Dental Insurance
Dental insurance is a highly complex area that creates confusion for many dental patients. The complexities of dental insurance and the lack of sufficient information provided by some insurance companies make it almost impossible for some patients to properly understand their benefits. Even more confusing is understanding how to work with your dental insurance company to achieve the highest level of benefits to which you are entitled.
What Is Dental Insurance?
Dental insurance is a contract between your employer and a dental insurance company. The benefits that you will receive are based on the terms of the contract your employer negotiated with the dental insurance company and NOT the dental office. The services selected are based on the cost of the policy to the employer and the negotiated arrangements with the dental insurance company.
Because the benefits you have are decided between your employer and the dental insurance company, many services may not be covered. The non-covered services are not based on what you need or want, but strictly on the contract with the insurance company. We suggest you read your plan booklet to familiarize yourself with any services not covered in your plan benefits.
How Our Office Helps
Our office will help do everything possible to help you understand and make the most out of your insurance benefits. We will check your benefit coverage prior to your initial visit and submit your dental insurance claim to achieve the maximum reimbursement to which you are entitled.
Please be aware that some dental insurance companies take longer than others to complete payment. If necessary, our office will contact the dental insurance company. If we are unable to obtain payment from your dental insurance company, you will be responsible for the balance and contacting the insurance for payment. Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and which results in the best possible care for your child.
If you have any questions, please call our office and one of our team members will be happy to answer any questions.
We are a participating provider for Delta Dental Premier. Feel free to contact our office if your child has another insurance, as we will file with any PPO insurance company, as long as they do not require the patient to see a specific doctor on their list. We are pleased to offer Care Credit for patient payment plans. Most importantly, please keep us informed of any insurance changes such as policy name, insurance company address, or a change of employment.