Dental Insurance

In an effort to provide high quality dental care and to clarify our position on filing for our insurance benefits, we would like to share some facts about dental insurance with you:

• Your dental insurance is based on a contract between you and your employer and the insurance company. While we attempt to estimate your dental benefits to the best of our ability, this is an estimate ONLY, and should not be depended on as the final decision. Should questions arise, it is best to contact your insurance company directly.
• You may receive notification from your insurance company stating dental fees are “higher than usual and customary”. An insurance company surveys a geographic area, calculates an average fee and then takes that fee and considers it customary.  Included in this survey are discount clinics and managed care facilities, which bring down the average. Most doctors in private practice will have fees which are defined and “above usual and customary”.
• Many plans tell participants they will be covered “up to 80% or up to 100%” but do not clearly specify plan fee schedule allowances, annual maximums or limitations.  Insurance companies do NOT cover all dental services.