Insurance University, Part 1
March 29th, 2012
Many of you have asked us questions about your dental insurance, and we know it can be a complicated issue. There are so many plans, rules, and uncommon terms that it's no wonder it can be hard to figure it all out! We are going to blog a series of posts answering insurance questions that will hopefully make it a little more clear for you. As always, feel free to send us your specific questions.
In this first post, we'll cover the basics; this is how the American Dental Association explains insurance benefits:
"Almost all dental plans are the result of a contract between your employer and an insurance company. The amount your plan pays is agreed upon by your employer with the insurer. Your dental coverage is not based on what you need or what your dentist recommends. It is based on how much your employer pays into the plan. Employers generally choose to cover some, but not all, of employees' dental costs. If you are not satisfied with the coverage provided by your insurance, let your employer know."
Our top priority is your dental health, and sometimes the optimal treatment for your specific case doesn't fall completely within what is covered by your plan. In those cases, there are several options we can look at to make sure you are getting the most bang for your buck and are able to work your dental health into your budget - everything from monthly financing to spacing phases of treatment across benefit periods to utilize multiple years of insurance benefits.
Please tune in over the coming weeks to learn more about the ins and outs of insurance. In the meantime, you are always welcome to check with Judy, our resident insurance expert, for more information about your coverage.
